Hello all, and thanks for all of the info so far!
I did the LBA, etc, no reply, and then served a claim with MCOL for £3,361.34 (£2,638 plus £603.34 interest at 8% daily, and £120 court costs).
I have now got a letter and a refund from the Co-op for £2,364, straight into my account - Yay! They also haven't closed my account, which is great. But the question is: what should I now do, and can I still claim the 8% interest? I am talking here about the section 69 8% interest: I have not claimed back any debit interest from Co-op (it was a tiny amount).
I note that the MCOL 'notice of issue' says that I should let them know IMMEDIATELY if I receive any payment. So I should fire off a couple of letters pronto ...
That is the main question: please let me know if you have any experience of this!
There are three small complications to my case. The first is that by the time of filing the claim I added on three new commission charges, but the amount they refunded went from my list on the first letter to them, and so was £105 less. The second is that they corrected two small mistakes from my list (total value £25), and said that they weren't refunding the £8 service charge (£112). The third is that, even if I take that £242 off my original £2,638 I get £2,396: slightly more than the £2,364 they have refunded so far. I have no idea what happened to that last £32: is it perhaps taking £8 off some (but definitely not all) of the £10 service charges?
I want to get what I'm due, without being difficult or quibbling over small amounts (partly because I don't want to get on the wrong side of a judge, or needlessly get my account closed). £50 is a small amount in this situation, £500 isn't (it's a holiday, or all of my Christmas shopping). So: I'm fine with the £25 of mistakes I made (obviously), and with the £8 service charge (they could have been clearer on the statements, but fine). But am I really entitled to the 8% interest, calculated daily since each charge? And the £105 they charged me after my first letter, but before I filed the claim? And if yes to either, what do I do now? I'm fine on writing the letter to the bank explaining my position, but I'm not at all clear on what I should say to the court - perhaps just a copy of the same letter?