Moneyclaim Online (MCOL) question

mouse156

Hello money savers,

I've been following the guidelines on MSE for reclaiming my Bank charges totalling over £2000.

After sending a letter demanding charges plus interest or I'd proceed in taking them to court, I recieved a letter offering 'full and final payment' of £366!!! ridiculous! So I immediately filled out the moneyclaim link for the small claims court.

Have I done it right? I can't see any other step. Do I need to send a letter to the bank letting them know I'm planning on taking them to court (argh!!) or does it all go through the small claims court website from now on?

Please help!

Thanks x

Edinburghlass_2

If you read the FAQ on MCOL this will tell you what happens next.

http://www.hmcourts-service.gov.uk/cms/1051.htm

melissa'smoney

Hi all

I'm starting my MCOL process tonight against A&L, Capital One, HSBC and Virgin Credit Cards as there time is up! :money:

I've just finished my first one. I didnt realise there was a standard format for putting in the information box and ive just put my own wording in here and the the interest bit....

Have i made a boo boo here, will it be void, do i have to do it again??

HELP!!

xx

lindilou39

melissa'smoney wrote: »

Hi all

I'm starting my MCOL process tonight against A&L, Capital One, HSBC and Virgin Credit Cards as there time is up! :money:

I've just finished my first one. I didnt realise there was a standard format for putting in the information box and ive just put my own wording in here and the the interest bit....

Have i made a boo boo here, will it be void, do i have to do it again??

HELP!!

xx

No you dont have to start again and no you havent mucked it up...as long as you get it right i.e before the solicitor /court stage you can add to further POC or even apply for an amendment at your county court £35.00...I dont think a fine tooth comb is needed here, more a nit egg comb lol...I myself have mucked mine up and am awaiting further instructions from my friend who is a litigant specialist, if I can get away without paying anymore fees I will,I,ll keep you posted on what she suggests that I do and I have 3 mistakes to rectify. :rotfl:

Lin

melissa'smoney

Thanks for that.

Can i change my POC now though so i know ive done it and dont forget?!

Compared to the template one ive found on page 1 here its like a 5yr old has written and needs doing properly!! :rotfl:

???

minnimace

hi dont know if anyone can help me i have filed a claim with mcol and its showing as acknowledged. Their 14 days should be up on the 30th May however do i have to give them an extra day as there was a bank holiday? Also what do i do next if they havent put in their defence ? thanks

HUGHJASS_4

Hello all,
I'm about to start a claim with mcol.

I've spent tonight looking at a lot of these replys, and i'm glad i did.

I've seen the template about what to put in the " particulars of claim " section

I'm trying to get back £3068 and tomorrow night im going to work out my interest with the calculater on this site.

AS for the daily rate of interest i came up with 3068 times 0.00022=0.67496 is this 67p or round it up to 68p? I'm not sure if i've done this right??

Another thing i'm a bit worried about is abbey have given back £853 of the £3068 they owe me, ( good will gesture nonsense )and i don't know what date the charges they have repaid are from,so if i had to use the calulater for this i would'nt be able to,would i ??
Or maybe would i be better off putting in £3068 then my interest amount,then my daily interest amount....would i then be better off telling MCOL that abbey have repaid £853 of this amount and not sure what to do..or could i phone mcol and tell them this first??
This is the bit i'm stuck on, and i think they have done this knowing its going to throw a spanner in the works. Any help is much appreciated.

Stephen_Leak

HUGHJASS wrote: »

Hello all,
I'm about to start a claim with mcol.

I've spent tonight looking at a lot of these replys, and i'm glad i did.

I've seen the template about what to put in the " particulars of claim " section

I'm trying to get back £3068 and tomorrow night im going to work out my interest with the calculater on this site.

AS for the daily rate of interest i came up with 3068 times 0.00022=0.67496 is this 67p or round it up to 68p? I'm not sure if i've done this right??

Another thing i'm a bit worried about is abbey have given back £853 of the £3068 they owe me, ( good will gesture nonsense )and i don't know what date the charges they have repaid are from,so if i had to use the calulater for this i would'nt be able to,would i ??
Or maybe would i be better off putting in £3068 then my interest amount,then my daily interest amount....would i then be better off telling MCOL that abbey have repaid £853 of this amount and not sure what to do..or could i phone mcol and tell them this first??
This is the bit i'm stuck on, and i think they have done this knowing its going to throw a spanner in the works. Any help is much appreciated.

As the exact figure for the daily rate interest is slightly under 67.5p, then, mathematically strictly speaking, you round it down to 67p.

As for the part payment, I suspect that you could be right about the ulterior motive. If it isn't related to any specific charges (and if it is, they haven't told you which ones), just deduct it from the total.

debs2103

Hello all

ive been following martins guides to reclaiming your bank charges and i'm now at the point to start court proceedings against them. is there anywhere on this forum where i can get help on filling out the court forms online ? i'm at the stage where i fill out the particulars of a claim, it also tells me 2 add some text ( which it gives you) when i say i want to claim interest on these charges as well. In the amount claimed box, do i put the amount with interest or do the courts work out the interest ? Plz help lol, just want 2 do this right :rotfl:

mouse156

Hello this whole charges reclaim is begining to scare me.

After my third letter I recieved a full and final offer of £366 of the £2201.44 I am owed. Naturally I got straight on to the money claim on line website and filled my claim.

But I realised after I sent it, I didn't put my account details on it, I wrote the name of bank (A & L) and how much my debt was for 2 accounts but not the account numbers. Will this effect my claim?

Also do I need to now alert my bank that I am proceeding a claim against them or will the money claim online do this for me?

Many many thanks in advance for any help and advise you can offer. I know I shouldn't feel scared as that's the banks whole bullying approach in trying to get people to back down. But it is rather un-nerving me taking my bank to court!

Thanks Mouse x