Moneyclaim Online (MCOL) question

Beate

Just leave that bit out then, it is of no relevance to the claim at all.

alisonjs

tiff wrote:

An acknowledgement doesnt necessarily mean they are going to defend.
Cant advise though, as my bank havent defended yet.

Thanks for your reply. It does actually say on the letter that they 'intended to defend all of the claim'.

What I lose for some reason

tiff

No-one here has lost afaik! Hold tight for now. Which bank are you with? Have a look at the thread for that bank to see how others have been dealt with.

mickthebandit

sugaJen wrote:

Claimed charges back before but never with MCOL, Just wondering about the spreadsheets, will it ask me to attach them after payment has gone through or do they have to be posted?

TIA

Jen

Don't worry about spreadsheets. It won't come to that.
I have filed a claim against HSBC with MCOL stating the very barest info just the amount and they paid up in four days with no hassle or any extra information required. As soon as they receive a summons from MCOL the bank will pay up.

Edinburghlass_2

This may have been the case with your claim against HSBC but this is not necessarily the case with all banks.

Bossyboots

Edinburghlass wrote:

This may have been true with your case with HSBC but this is not necessarily the case with all banks.

Yes, you only have to read the forums to see how many banks are filing defences and even letting people turn up at court and getting default judgement there to know that HSBC are a rarity in how they appear to be handling claims.

paul1e

kellyn1201 wrote:

I have already posted this on the Lloyds thread but it has got lost under loads of new posts so thought I'd try it here!!

I have today received the AQ from the court, and have read the guidance on filling it in. However, Lloyds' defence is based on "they are not penalty charges, they are fees for a service" they even state "There is no breach of contract; the charge cannot therefore be a penalty, consequently there is no requirement that the charge be a pre-estimate of the bank's loss"

The guide for filling in Section G of the AQ is based on breaches of contract and costs incurred by the bank etc so is this still relevant in light of their defence or is there something else I can use based on their so-called services?

I hope this makes sense!!

Good question kellyn1201, I would like to know the answer to this one if anyone can shed any light on it, seems like they're probing to find a way out of paying!!!!!!!!

ob1peers

Beate wrote:

Just leave that bit out then, it is of no relevance to the claim at all.

Thanks a lot Beate. I hoped and thought so.

emaa123

could anyone tell me how to claim if your bank is based in scotland? im with intelligent finance and the website suggested on here does not cover scotland, and im stuck as to what to do next

Edinburghlass_2

To need to go to your local court and file your claim there. Have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=308885