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Joanne Vs Halifax***WON***


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Hi wolvesfc12,

 

MCOL is really starightforward. make sure you get the particulars of claim wording from this site, put in your own figures, check for any typos and send off.

 

You will then get a 'notice of issue' from the court within a few days which informs you of the date of service (when the bank is deemed to have received it). You should now send 2 copies of your schedule of claim to the court for inclusion with your online claim.

 

The bank now have 14 days to respond from date of service. In my case they filed an acknowledgement stating that they were defending the claim, this gives them 28 days from date of service.

 

You should then receive a 'notice of acknowledgement', if this is the case you need to send another schedule of charges to their legal representative as stated on page 2 of this document.

 

Next just wait and read up on taking your case to court.

 

I shall seek out a link which has been pastred previously which sets out the above.

 

Good luck

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Hi,

 

Just for info, I HAVE WON!!!!!

 

£1,600+ in my account today. MCOL issued 21st April, they acknowledged intent to defend, no correspondence since, only to find the full claim amount in my account today.

 

Stick with it, you WILL WIN!!:D :D :D

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hi i done my interest on martin lewis site in the end it does it all for you put in date year and amount found it esier

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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You're better off using the spreadsheets on this site.

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

See here for a visual guide:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it and print out as your schedule of charges.

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Hi, I've used both sets of spreadheets - the Martin lewis ones - which, once you've done them, you can't save, so to file on MCOL you have to do them again, to update the interest to the current date. However, to do these requires no knowledge of excel. I prefer the excel spreadhseets in the instructions here on CAG, but I suspect they can be a bit daunting if you have never used excel before.

 

If you hit a specific problem, please post and I'm sure loads of people will help, as everyone is so helpful and kind on this site

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thanks helpme ive done mine on n1 will let you know how i get on with spreadsheets if my pc stops throwing a wobler

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Filed my MCOL on Wednesday 9th last week, now when i check my claim it says it was issued on the 11th (friday) is the date the claim was served the same as the issue date and do the banks have 14 days to acknowledge the claim from the issue date or the served date if they are different??????

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Hiya,

 

They get 5 days from the issue date so the served date will be the 16th, they will then get 14 days to acknowledge it or you can click the start button and request judgement by default. If they acknowledge the claim (which they have with me) they get a further 14 days, so 28 days from the 16th.

 

hope this helps

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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It can still be a few weeks im afraid. You might be one of the lucky ones whos money just turns up in their account, but best to be prepared to wait a wee bit longer.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Hiya i am currently at the MCOL stage with my bank charges claim. #

CLAIM ISSUED - 11TH MAY

CLAIM SERVED - 16TH MAY

CLAIM ACKNOWLEDGED - 21ST MAY

LETTER DECLINING OFFER - 2DAY

 

So halifax have until 13th June to file defence, what should i do now? what should i expect? What is this letter? Is it standard?

 

help HELP!!!!!!!!!

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