sr vs hsbc

[tanner1]

hi just about to enter my mcol was just wondering if i should enter the address.

HSBC Bank Plc

Canada Square

London

E14 5HQ

 

also do I need to print anything off when i do the mcol because my printer is not working.

 

Thank you to everyone for their help:)

[Castlebest]

Hiya Tanner, yes the Cannada Square address is the one to use on MCOL. You dont need to print anything but it might be useful if you save your spreadsheet under a different name (save as) and disable the calculations by copying the whole sheet and pasting back as value only (both commands under edit) just so you have a record of what you have sent into the court.

 

pete

[tanner1]

Thanks Pete

not due to enter it until friday just getting ready thanks for your help. once I have entered the claim do I need to send a copy of my charges to the court and if so will the mcol give me their address sorry for all the questions.

[Castlebest]

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:

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. dg's address is on page 2 of the acknowl.

 

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 this helps you

pete

[tanner1]

Thank you very much you are a superstar!

[tanner1]

Hi

Just about to enter my mcol today I am working out my daily interest rate do I add the 8% to the charges total when working out the daily rate anyone please.

[Castlebest]

No because that will compound the interest, the 8% statutory interest is not a compounded figure so its a straight 8% over the time period of your claim therefore the daily interest from MCOL should be just on your charges and overdraft interest.

I think

pete

[givememymoney]

Pete has it right don't get too carried away!!!

[Castlebest]

Hmmm.. I better check that on my claim

 

pete

[tanner1]

Sorry one more question I am filling out the mcol have come to do you want to reserve the right to claim interest. I am thinking yes but just want to make sure as I dont want to get it wrong.

Thank you very much

[givememymoney]

Yes as you are just claiming the statutory tick the box.

[tanner1]

thank you have just completed the mcol very nervous, am going to send off copy of my charges to Northampton Count Court, is there anything else I need to be doing.

[nettyg]

yes - having a nice glass of beer!

[givememymoney]

When the MCOL is acknowledged by HSBC/DG then you should also send a copy of your schedule to DG the solicitors so that they don't have an excuse to not know what to pay you back.

[givememymoney]

Oh sorry forgot the beer!!!! or white wine for the ladies!!!!

[tanner1]

red wine for the lady! thanks for the help

[Castlebest]

Trust a Brummie to think of beer

 

pete

[givememymoney]

Actually it was a bit of a surprise to me I was expecting Netty to have a glass of Mild!!