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Today's the day I'm going to file three claims on MCOL... I just need to double check the interest.


I'm claiming back o/d interest and also 8%. On the claim do I add the 8% interest on to the claim total or do I leave it out until I get a court date.



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8% onto the claim total now [at mcol stage]



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This should help:


(5) Claim Details: Type in your Particulars of Claim. See here:

5. Money Claim On-Line (MCOL) Particulars of Claim


Click No to Human Rights and Yes to claiming interest.


If you have already included the s69 paragraph in your POC’s, you can ignore the pop-up. Otherwise enter this now and fill in the first and last dates of your charges and the s69 8% interest total.


Amount claimed: Enter the total of your claim, charges and interest.

Press ‘Calculate’ for the correct court fee.

Guide to claiming back your bank charges


Most of your questions can be answered by following this link.

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Thanks for your help!!:)


I'm in the process of typing up the N1 version and handing them to the Court on Monday.


Hopefully it may speed things up, as MCOL would have to transfer it to local court anyway.

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mcol is just convenient as you can watch the status of your claim online - that's the only difference bubbles.

good luck with it xx

If i've been helpful in any way....then tip my scales over there!

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did you file all three in one claim or separately. if they were together - you were probably wise to do the n1 as there is no limit on the wording of the poc - you'd have been stretched getting 3accounts worth of info into the mcol.


as you've already given the court copied of your breakdown when you filed you can ignore the first letter on this info - but send a breakdown to dg when the acknowledgment arrives.


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:




The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street




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.




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,

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Thanks for info, I had to file three seperates as 1st claim is for £4717 (hubbies ac), 2nd is for £928 and 3rd is for £2698.25 (closed RBS account).


Hopefully I should be hearing from dg soon!!!!!:)

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