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Mcol Please Help Natwest Suck

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Look for some of the posts Michael Brown has contributed to, you'll find the wording you need which will fit into the space provided. As you can't add your spread sheet to the MCOL form, I waiting for the acknowledgement from the court, then sent them a copy of the spreadsheet for their records.

M-Stanley, Marbles , Barclaycard,Cap 1, NW CC's x 3, NWest, MBNA , HSBC CC ALL WON



Halifax initial 11/10 acknowledged 19/10 LBA 25/10

LTSB initial 12/10 LBA 26/10

Barclays initial 3/10,response 9/10 LBA 17/10,MCOL 1/11, defence &AQ 10/12

Bof Ireland mort' S.A.R 16/10, initial 23/11, LBA 7/12,MCOL 23/12

NatWest home loans S.A.R sent 23/10,Initial 16/12, LBA 6/1

NatWest business a/c initial 9/11, LBA 25/11, MCOL 9/12, AQ 20/1,cheque recieved 17/2 but had to send it back !!

HSBC c/a AQ returned 17/2

HSBC bus' a/c MCOL 17/2

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Well when i read other posts it stated you only add the interest on when you take them to court. but on your post you stated that you should stop unless you have sent a copy of the charges which i have done but i did not sent them a copy of the interest.


Thanks michael you are bein very helpful

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What it actually says is:

If you have not sent a full schedule of charges and overdraft interest to your bank



There are 2 instances of interest you can claim:


1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

This is the interest referred to in the preliminary and LBA letters.


2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim


If you are not claiming overdraft interest, then what you've done so far is fine.

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