nmcf Vs Lloyds TSB (2 Claims)

[nmcfarl]

Hello All,

 

Would be really grateful for some advice, on my two claims against Lloyds.

 

Basically i started two claims, one for my mastercard and one for my bank account. I have reached the stage with both where it looks like i'm going to have to file in the courts.

 

I don't know if this was a good idea, is it bad that i've got two claims outstading ? Can this count against me in anyway ?

 

I'm ok with going to court (i think!) but having spent time researching the site (which is excellent if i may add) i would be really grateful if someone could provide me with some links to the best wording / templates for filling out the court claim.

 

I think i will use MCOL, so was wanting the templates to start this ball rolling.

 

Thanks and good luck to you all.

[nicsussex]

Here it is

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

As a matter of interest why the preference for MCOL?

[PPMAN159]

I dont se why having two claims with the same bank should count against you in any way-I am sure that there are plenty of others who are doing the same with a credit card and current account.

 

For MCOl try these links:-

 

http://www.hmcourts-service.gov.uk/onlineservices/mcol/index.htm

http://www.hmcourts-service.gov.uk/onlineservices/mcol/index.htm>

http://www.moneyclaim.gov.uk>

[nmcfarl]

Thanks,

 

Don't know really, just seems like the easiest option, if there is a better way, i'll give it a go !

[nicsussex]

Personally I have always used N1 filed at local court - the court staff are generally very helpful. MAin problem with MCOL is the lack of space and the fact that you need to send schedule of charges via seperate cover. The choice though, as always, is yours.

[BARTY]

Hi

If you do use MCOL, this should help:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Good luck, let us know how you get on.

Barty:)

[nmcfarl]

Good Stuff,

 

Just a point on visiting local courts, is there a list anywhere of where they all are ?

 

Also, what's the comparitive costs ? ( I think MCOL is between £30-£120, or something like that)

 

Barty, thanks for the link, is there one for getting the N1 form right if i go to local court ?

 

Thanks, i will keep you fully posted

[PPMAN159]

Try the link below.

 

Her Majesty's Courts Service - Home

 

The MCOL cost all depends on the value of the sum being claimed but you can find this on the above site.

[BARTY]

Hi again

The costs are the ssme whether you file by MCOL or N1:

County Court Fees

This should help if you do it by N1:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Barty:)

[nmcfarl]

Thanks again,

 

Got a rejection letter today from Lloyds for my claim (also Capital One, but that's for another thread)...

 

Interesting reading other peoples experiences of this, some people seem to have to file, others seem to get refunded before, i'm assuming there's no rhyme or reason for this ?

 

Is there any value in involving the FSA?, the banks seem keen to point you in this direction and away from the courts?

[nmcfarl]

Hello All

 

Think i'm in need of encouragment more than anything else, but i'm getting a bit nervous...

 

Am ready to file in court for my charges, but will have to do it after i said i would (can't afford it)...Will this be a problem ?

 

It seems that most people are getting to setting a court date, do we know if anyone has actually been yet ? Am i likely to win ?

 

Words of comfort much appreciated...

[BARTY]

Hi

Just file the claim when you can afford, obviously if it is going to be months away it might be better to send another LBA before you do it.

You will win provided you have followed the correct process on here.

Have a read of the Successes to give your confidence a boost:

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/

 

If you are stuck on anything, just ask, we are all here to help.

Barty:)