Moneyclaim Online (MCOL) question

BLUESUNSHINE_2

Bunny wrote: »

How much are the court charges supposed to be, I'm claiming £770.01 from the halifax and I pressed recalculate on the page and it went to £80 is that right?

Hi ,

yes thats the right amount .The good thing about MCOL is when you put in the amount you're claiming, it automatically calculates your court costs

chrissieo

OK, these questions have probably been asked (and answered) a zillion times on here and the CAG website but I still don't know what the hell I am doing. When I have asked questions all I seem to get is the people who have already gone through the processes involved quoting forms i.e. N1, technical terms like POCs (i have now worked out what this is) but it is all very confusing and I am getting to the stage where I want to throw in the towel.

OK here is my current scenario:-

Have received offer from Cap1 Credit Card against a claim I submitted including interest calculated on the template on this site, which I have accepted only as part payment. I now want to submit and MCOL, but when I try and read up on how to go forward to complete the MCOL. I end up even more confused than when I started, can some one please please help me in plain english preferably soemone who doesn't mind me asking seemingly dumb questions.

I think I am at the part of the MCOL where I complete the Particulars of Claim. I have seen a couple of template POCs but these are very long and take up more than the allowed space. Is there a shorter version? I was advised by someone on CAG that I should complete an N1 instead of MCOL as I was claiming interest, but I understood that the majority of people have raised their claims via MCOL so how did they do it?

Should I now recalculate my interest to reflect to the date I submit my claim, but surely this would then mean that the details of my original claim will vary from the detail in the MCOL?


HELP
Chrissie

Beate

Right, deep breath. Start out by reading the Bank Charges Reclaim Help Thread which is a sticky at the top of the board. It will give you a lot of help regarding particulars of claim, and also give you links to other threads you are likely to need. One of them is this:
http://forums.moneysavingexpert.com/showthread.html?t=353590

Some times I wonder about the people at CAG. Of course you can claim interest through MCOL as well. Just redo your interest calculation with Martin's Interest Calculator and don't worry about different interest amounts in former letters to the bank - the claim is what counts now. The above link will give you tons of useful information on how to fill in a MCOL form and claim for interest.

Good luck.

Stephen_Leak

Yes, there is a short version of the PoC on our Reclaim Bank Charges Help thread.

A tip: copy and paste the PoC text into WordPad or Word, fill in your details and then copy and paste it into the MCOL form.

Yes, you do need to re-calculate the interest charges as at the date you file your claim on the MCOL website. The judge knows that this will have changed in the time it has taken to get nowhere with the bank. And don't forget the bit about the daily interest from the date you file your claim up to when the judge awards it to you. Again, he knows that the court process takes time and will appreciate you doing the maths for him!

chrissieo

Stephen_Leak wrote: »

Yes, there is a short version of the PoC on our Reclaim Bank Charges Help thread.

A tip: copy and paste the PoC text into WordPad or Word, fill in your details and then copy and paste it into the MCOL form.

Yes, you do need to re-calculate the interest charges as at the date you file your claim on the MCOL website. The judge knows that this will have changed in the time it has taken to get nowhere with the bank. And don't forget the bit about the daily interest from the date you file your claim up to when the judge awards it to you. Again, he knows that the court process takes time and will appreciate you doing the maths for him!

Thanks Stephen and Beate that is exactly the sort of clear advice I was looking for.

No doubt I will have more questions in the very near future.

Chrissie

chrissieo

chrissieo wrote: »

Thanks Stephen and Beate that is exactly the sort of clear advice I was looking for.

No doubt I will have more questions in the very near future.

Chrissie

OK for my next stupid question............

in this bit what do I put in this bit

continuing at 8% until judgment or settlement at a daily rate of £0.xx;


Thanks in advance for your patience....

Chrissie

Beate

The answer is in post 6 of this thread:
"To work out the daily interest. Multiply the amount of your claim (charges only, not including interest) by .00022"

chrissieo

Beate wrote: »

The answer is in post 6 of this thread:
"To work out the daily interest. Multiply the amount of your claim (charges only, not including interest) by .00022"

Thanks :beer:

Chrissie

Warriorsith

Hi

Can some please tell me where I can find an N9B form, as I have to reply back to a Court letter but I need to read this then tick the correct box and then send it off.

BTW As mentioned before I got all my Cap 1 Charges and Court fee back so go for it. I've just got to stop the MCOL process now.

princesskez26

Warriorsith wrote: »

Hi

Can some please tell me where I can find an N9B form, as I have to reply back to a Court letter but I need to read this then tick the correct box and then send it off.

BTW As mentioned before I got all my Cap 1 Charges and Court fee back so go for it. I've just got to stop the MCOL process now.

Hi, hope this helps

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=659

P.S, Maybe a daft question but how do you get the writing at the bottom of your posts on ?

Kez