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MCOL sent and acknowledged IF have 28days what now HELP??


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:confused: Hello everyone,


Please help. I've gone through all the steps with IF and have claimed the full amount of bank charges (£2500) through MCOL, this is after two unaccepable offers from them. I am now in completely above my head!!! I have just recieved an 'acknowlegment of service' giving them 28days to put together a defence, WHAT SHOULD I DO NOW? bit scared!!

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Claim Timetable:

Your claim will generally be deemed served 5 days after filing . The deemed date of service will be on the Notice of Issue sent to you by the court.


The bank will have 14 days from the deemed date of service to acknowledge. If they do, a Notice of Acknowledgement will be sent to you


The bank will then have an additional 14 days in which to file a defence, ie a total of 28 days from the deemed date of service.


Once the bank has filed a defence, your claim will be transferred to your local court who will send you a copy of their defence and an Allocation Questionnaire which you fill in and return within 14 days.


However, MCOL have started to issue Orders dispensing with the AQ. See here:

New---after 28 Days - Maybe No Aq!!!!!!!



All timescales are calendar days, should the due date fall on a weekend/ bank holiday, they have until the next working day.

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