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Dancer v A&L please help?


julie&Leigh
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Hi all i've sent off my first two letters to which A&L have sent their standard reply that if i persue claim they will request for it to be stayed.

 

What do i do now do i fill out MCOL. or is there a different form to fill out now (n1) if so where do i find the n1?? do i still have to fill out MCOL as normal aswell as filling out a n1. My local court is barnstaple north devon.

 

Many thanks

 

Julie

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If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim.

 

Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised.

 

Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway.

 

 

You can download N1 here:

N1 Claims form in .PDF format with form filling

 

There are now new comprehensive Particulars of Claim written by a QC specifically for the following banks:

 

Abbey

A&L

Barclays

Co-op

Halifax

HSBC

Lloyds

NatWest

Royal Bank of Scotland

Yorkshire

 

 

See here:

http://www.consumeractiongroup.c o....lates-library/

 

 

If you are on benefits, you may be eligible for exemption from court fees.

You can only apply for this at your local court using form Ex160.

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