Mcol Question

[barracad]

Take your claim amount, excluding interest, multiply it by 0.00022 - that is your daily rate of interest. That means you charge that amount for each day between issuing your claim and receiving settlement.

[leftyles]

In that case i cocked up,

Put both claimed amount & interest,

Have just submitted claim was sure it was both,

 

Sorry jumped the gun, I think,

[Isiris]

Email MCOL. They will withdrawe the claim and allow you to resubmitt

[tweaker]

Sorry to butt in, but this may also help me and others (that are thick as two short planks like me)...

barracad...what your saying is that:

If a claim was for £2000 (excluding interest) and you claimed 0.00022 per day interest, would the charges for interest be 0.44 (44 pence per day)? As i said im thick

[Michael Browne]

Yes, you're not as thick as you thought !!!

[leftyles]

Hi,

 

ok have emailed mcol with ammended figure for daily interest being just the amount claimed less interest,

now have a claim number,

So would it be ok for me to send my spreadsheet with the 8% interest added on to them & i suppose better to post than email it ? & just to confirm I send 2 copies ?

[leftyles]

Morning,

 

Yes have just called and cancelled claim, am re submitting today.

Paid my £10 for S.A.R

sent a prelim letter 22nd july, 1st fob off received 25th july.

sent letter before action 11 Th August.

Received 2nd Fob off 14th August stating:

 

"I regret that there is little that I can add constructively to my last letter and note your proposed course of action. I have alerted our lawyers & litigation department accordingly. May I please remind you that the address to use when initiating legal documents is that of our Registered Office, below,

 

Yours sincerely

 

Stuart Higley

Customer Relations.

 

Didnt sound too promising. So moved to the claim which is what I wanted as can claim my 8%.

havent heard anything to my personall account Letter before Action which was sent around the same time, so maybe they may be looking at my claim a little more before replying,

 

Any thoughts Or Comments,

 

Thanks

Lefty.

[danmoz98]

That's the exact same letter I received after I sent a second letter to him, one in which I specificaly asked if they were just sending generic letters and if 'Stuart Higley' was actually reading them.

 

I wonder, when submitting documents to the court, if you had one or two copies of Stuart Higleys letters from other customers (if they'd be willing), could it be used to show the bank isn't even considering a customers complaints? They say their charges are transparent and fair, etc, but how do they know charges a customer has received are 'fair' if they aren't even bothering to check and just send everyone the same letter?

[danmoz98]

Okay Leftyles - that all sounds fine... I was checking cause there have been a couple of people put in claims based on a rejection of the LBA only to realise it was actually a second reply to the prelim.

 

Not sure about submitting other peoples letters in the court info .... I think the complaint is the same for others and as such everyone would be replied to in the same manner on the back of one investigation regarding the general lawfullness of the charges.

 

If there were specific issues mentioned in the letter you sent to Mr Higley which was not responded then it would prove more that it was a generic letter and no actual investigation had been carried out.

 

(ie. if you ask for specific details of a particular charge etc)

 

I would say specific issues were raised. After the initial bog off letter I received I sent a more formal letter, basically saying I was disappointed I'd received a standard generic reply, I asked if the letters were all generic responses and automated much like their charges, I asked if he (stuart Higley) actually read any of the letters or if there was admin that dealt with them and just left them for him to sign, I asked how the charges were calculated, asked why if they stood by their decision other people were receiving refunds, how they justified the charges eg, when I went overdrawn £8 I'm charged £28, etc, etc.

 

The response to that letter was the one seen above.

 

Now, I'm sure that when the question of why some people are receiving refunds whilst the bank argue their charges are fair was raised, the bank said that it all depends on the circumstances surrounding individuals and each case is taken into consideration on an individual basis? Surely here we have evidence that they aren't looking at each case individually, they're just sending out the same response for anything that says "I want my charges refunded".

 

Sorry, thread hijack slightly.

[leftyles]

a very good point raised danmoz.

[leftyles]

Just a quick Question,

On the Money claim online Particulars of claim should I put the Claimant claims court Costs of *£120

I read somewere that the fee maybe higher later on to do with allocation Questionaire, so how do I up my Court Cost Claim at a later date, as It seems once I claim I cant alter the Form. I can only cancel & reclaim?

 

 

*(my fee to the court so far)

[Michael Browne]

The court fee £120 and allocation fee £100 are automatically added to your claim. You don't mention these in your POC

[leftyles]

Thanks Again Michael,,,,

[leftyles]

Ok have submitted mcol correctly, Thanks all so far that have helped & RESPONDED to my post`s,

Now i have a claims number, I beleive I need to send my spread sheet with the 8% as of todays date,

I have been told 2 copies someone else said 3 copies. should be sent, can anyone verify the amount of copies that need to be sent ?

Should I send a cover letter or just write the claim number on the top of each sheet ? if so any templates or advice on how I should word cover letter ?

could I also confirm it goes to the court address on my claim that I can now view in a pdf format ?

 

Thanks

 

Lefty

[leftyles]

Excellent, Short & sweet cover note address claim ref:

something like submiting list of ilegal charges that have been debited.

 

Thanks Karnevil, now the Balls Rolling.

[leftyles]

OK will say unlawful not illegal.

Thanks

What happens next ?

[leftyles]

Originally when I sent off for my subject access request paid £10 postal order,

Had to use the Data Protection Act Non-Compliancetemplate in the library for the missing 2nd lot of statements reminding them that the clock was ticking and they only sent 2000 - 2002. It did the trick & I had a letter saying that they had been reordered no mention off any additional fee/s, anyway got my normal monthlyt bank statement today & they have charged me £5 for Historic Stmnt fee 1st August.

Should i ring the retail regulatory risk dept Joyce Tudor Edinburgh who reordered or my local branch ?

This isnt on at all, it was there cock up not mine another penalty at my expense, anyone have the joyce tudor number ?

[orfoster]

Its in the NatWest contacts number. She should agree to get that sorted for you.

[ytfc70]

All sorted gave the lady a call, they are re crediting my account £5.00

got to watch these Banks !

but she was very helpful.

[leftyles]

No Staying as leftyles.

logged in on a friends p.c.

[leftyles]

Hi, My Personal Account letter before action that I sent Natwest over 2 weeks ago. Well Today its 14 days since they received it have checked on Royal mails web site, I had a reply to my prelim letter within 4 days, But nothing on this lba at all,

Should I push on & get the court thing going ?

Or leave it a day or so ?

send them a reminder maybe ?

any thoughts...

[pollyjohnson]

Keep to your own timetable. If the 14 days are up start MCOL

[leftyles]

Hi Quick update, Natwest Defending, Have had my corbitts letter Beginning of this week, & used the standard reply regarding cpr part 18, full break down of my charges claimed Sent back to cobbets only

(Should I have sent the court a copy Or is it not important ?)

Have received notice of transfer of proceedings & Court Allocation questionnaire, All filled out & ready to go to my local court with the extra £100 as over £1500 claim. Deadline they need it back by is the 9TH of October,

 

Would it speed things up IE: settlement if I was to enter it Early or would it pay to hold off incase cobbetts reply with an offer ?

 

I read somewere that Cobbets have to fill out a Allocation questionaire as well so probably will be a while yet before Any offers are on the table.

 

Any advice should I Put in now Or Hold off.

[Michael Browne]

Yes, you should send a copy of Cobbetts request + your reply to the court.

 

AQ put in early:

 

For: Cobbetts are unlikely to make a full offer before AQ due. It will cost the bank another £100 to settle.

 

Against: You have to shell out another £100 earlier rather than later

 

 

When you return it enclose schedule of charges and send copy of each to Cobbetts