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Help with 3 accounts please


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Acc 1 Charges £ 2948.00 interest £90.22

Acc 2 Charges £ 2565.00 interest £93.33

Acc 3 Charges £ 1419.00 interest £90.65

My dilemma is, do I go for the whole lot in 1 claim in the multi track, or split them up to both go in the SCC?

 

I realise someone is going to say ' it's up to you' but what are the pros and cons of both ways?

 

Who feels it is better one way or the other and why?

Thanks in anticipation

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The pros are if you do them all as one and they are allocated to multi track, you will be able to ask for full disclosure

 

Just one point though, are you sure the interest is correct. Seems very low

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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If it stays in small claims you won't be liable for costs, but the odds on it getting to court, the bank winning, and being awarded costs are roughly a zillion to one. Save yourself the aggro and get it all done in one go. Just one point though, are they all private accounts? Business accounts are handled slightly differently.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you for your replies.

The interest was calculated using vamps complex or advanced s/sheet.

 

I simply entered the date, amount debited in interest and the balance at that date and the s/sheet entered a figure. Is that correct? ( It is not the Couny Court 8% interest , that will be added on when I fill in the N1 form)

 

Caro, yes they are all personal, 1 in my OH name, 1 in my name and 1 in joint names. Is this still OK to put them all on 1 N1 form?

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I think you will need to do 2 claims then. Your OH and you are different claimants, so I think they will need to be separate for your own accounts, but the joint could go with either I believe.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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