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babyboo V RBS started MCOL

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Hello everybody,

This is my first post, have been meaning to start one for a while but everytime i have had a question i have searched the RBS forum until found answers (just had op so had 4wk off work so had the time) Anyway i am back at work now and am starting to worry,


I have already started my claim with MCOL end of May,(recieved offer of full amount 2nd June but not the contractual interest i had asked for but because i had already paid my £120 court fee the week before i thought i might as well continue with MCOL) anyway the RBS acknowledged this on the last day (13th June) so they have untill the 27th June to defend,(giving them the full 28 days from issue- inc the 5 days MCOL allow) which again i am sure they will do on the last day,

(would be nice if they forgot tho LOL):D


I can see the next stage is usually a defence letter from Cobbetts and then AQ's so will keep my info posted, would be greatful for any advice regarding my next steps and what to have ready etc, also if anyone wants to know anything from me please feel free to ask


babyboo x

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With contractual interest I believe th RBOS will really take you seriously and really think about their defence methods, unless you are willing to put a lot of hard work and research into your case without proper legal help, you will find it tough, you will have to have your case "bullet proof" because if too many people suceed in C.I.claims...all the Banks will be in real deep trouble.


Just my thoughts, I'm not a laywer what little I have learned about the law has taken me a very long time and really I know....... just short of nothing about it .



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Thankyou Sparkie

I asked for advice and thankyou very much for giving it, every bit of knowledge helps no matter how little (your words not mine lol), looking at your posts i can see you have picked up a lot of info on this journey so i value anything you or anyone else has to say, i probably appear to be greedy but had the offer of come before i had paid my £120 fee to MCOL i would of accepted, i did contact them and say i would be willing to accept if i was to get my £120 back too but they said they didn't do deals over the phone (not Sandy who everyone seems to be speaking of- was just customer services)they said i had to decline the offer in writing first which i havent done because i was going to see how the MCOL was going, i may get nervous and sign it and accept- the acceptance letter says i have 8wk to let them know or else the offer is closed,

Thanyou :D

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RBS defended yesterday on my MCOL, today i recieved letter from Cobbetts so will be replying to that and sending everything, again!!,:rolleyes: before 10th July, does anybody know if i send the same info to court aswell now or wait until i hear about a local court and would this go against me if it was to be after 10th July??



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