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which court to take claim to?


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cheers michael..


I keep hearing about MCOL, but dont really have the money to pay to file the claim on MCOL, I was just intending to file it with the small claims court...


does it make a difference to the claim, or offer, speed, etc?


I tried searching but really couldn't find the answer... :|


Many thanks for your assistance

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It won't make any difference to the claim. It still goes through the same system in the end.:)



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  • 2 weeks later...

cheers for your help..


Ive now filed it at court, but a day later recieved an offer from HSBC for 65% of the amount filed, not sure what way to go, cuz i could really do with the money right now, but don't like letting them get away with it, and co do with the extra grand but don't fancy all the messing around with court, just can't make up my mind!


My only concern is that if I take the offer, HSBC will the reduce my overdraft back down to zero which will heavely reduce the actual amount I will have to spend!! Is this likely.? Do they have any right to take my overdraft away?! I know they can close the account, which is vertually the same thing..?


What should I do?


I haven't recieved the offer from the solicitors yet, just the banks offer..


I guess what I'm asking is.. what the likeliness is of them closing my account?!

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they shouldn't close your account on a first claim. as for accepting the amount they're offering... it's entirely up to you and your circumstances. the way i see it is, if they weren't in the wrong they wouldn't offer you anything!! but if you feel you need the money then the choice is yours. whatever you decide - good luck.

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

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