Getting MCOL Right

[why!!!!!!]

Court Charges.

 

I have completed my claim online and my court charges have come up as £120.00, I am claiming £2298.77. Is this the correct amount and do I have to pay them at the time of making the claim? Will I get them back from A&L?

 

Please help

 

hi

Yes the £120 is correct and to be paid at time of filing claim online. You will get it back in your settlement from A&L.

Claire

[why!!!!!!]

I used MCOL. I am trying to get back over £3000 and the bank have now 'Acknowledged'. The papers came yesterday saying they are going to defend. They have until 26th to respond. I am not confident that I put the account number and 'common law' reference in my POC. The date is now closing in and I am not feeling confident that the POC is strong due to the missing details. Is there anything I can do or am I worrying about nothing? Would much appreciate any advice as I have not attempted anything like this before and don't want to lose.

 

Hi,

It may be worth sending a more detailed version of the POC and a copy of your schedule of charges to the courts? http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Change this letter to suit your attachments http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html

Claire

[why!!!!!!]

Good day all.

I am stuck with the N1 form. I sent it off and it came straight back asking for the following

You must state what type of company the defendants are eg Plc, Ltd, 'a firm' etc.

 

I thought the Nationwide Building Society is exactly that, a building society. Am I wrong.

Please help

 

andytheguv

Hi,

All i can find on the forum is this link http://www.consumeractiongroup.co.uk/forum/show-post/post-652780.html

sorry i cant be anymore help.

claire

[why!!!!!!]

Tunbridge Wells County Court should deal with your claim as it is deals with civil claims.

So it would be:- court number 355 Merevale House

 

Yes the N1 and POC go to the court, your fee will need to be sent with the forms.

Are you exempt from paying fees if so you can go to the courts in person and fill out a form. take a look at this thread http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=9

Hope it helps.

claire

[why!!!!!!]

Hi

 

The daily interest rate would be worked out like this

 

Totat charges(excluding interest) x 0.00022 =

Is this what you mean?

Claire

[why!!!!!!]

Ok ive had a look at your HSBC thread, if you are not claiming overdraft interest the only interest you claim is the 8%.

claire

[why!!!!!!]

Hi

After reading your thread in barclays as you have now sent your spreadsheet to them i would also send it to the courts.

The court may ask you to send a more detailed particulars of claim later which is in this link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Some dont but its worth looking at ready.

Other than that there is nothing else i can see that you are likely to be waiting for.

So sit back and await a court date.

Hope this helps

claire

[why!!!!!!]

Hiya

you send a copy of your schedule of charges to the bank.

claire

[why!!!!!!]

hi hulmey14,

its this bit you want next.

After You Have Issued Your Claim

Your POC's state that you will be supplying a schedule of charges, but MCOL does not allow you to attach it to your claim at the time of filing.

So, once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

Quote:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2.

 

 

Quote:

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

 

 

hope it helps

claire

[why!!!!!!]

Hi Loolabell,

Any joy with the defence?

Before you enter judgement by default please take a look at this http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13 it could save up to a four week delay in your claim. It gives you the option of sending a letter giving them 7 days to respond to your claim.

More than likely as shane has said the defence has been received and not yet been entered onto the mcol system.

Hope this helps.

claire

[why!!!!!!]

Hi miss

I was due to attend a directions hearing in cardiff back in march along with quite a few other people, the same is happening in your case see here http://www.consumeractiongroup.co.uk/forum/barclays-bank/92371-cardiff-directions-hearings-post.html the banks tend to start paying out about a week before the hearing. There is a part in the link i gave you that says you could have given written representation 7 days before the hearing if you were not to attend. There is also info at the end for claims on the 14th august that are being stayed.

take a look it may help you.

Hope it does.

claire