Moneyclaim Online (MCOL) question

esmerellda

cooperbob wrote: »

I cant log in to MCOL to start my claim, Ive just received the defence from YB and need to proceed.
Anyone else been in this situation?

Yorkshire bank are quite hard work.

If you havent started your claim yet you wont have a defence yet.

Take your time doing your claim - get it perfect first time and you will win no probs.

esmerellda

livelyred wrote: »

I have just recieved a letter from the courts saying that the Nationwide are defending the claim.I have filled in the Allocation form and sending it bck tomorrow,im just getting a bit scared now incase this does go to court,will the bank pay up before the court hearing,and also Nationwide are saying on there Defence counterclaim form that they have no further sums due to me ?They have already paid me £85.27 and i still have £201.00 still due,am i

You mention counterclaim ??? please type out the part which relates to this. IN FULL.

thankyou.

mani26

esmerellda wrote: »

The Court Manager,
Money Claim On Line
Northampton County Court
21-27 St. Katharine's Street
Northampton
NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)
Claim No: ********
Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.
Yours sincerely,

Thank you for the info;) Another matter when you send a LBA or any other letter when do you start counting the days when posted or when rcved by the bank?? I have a letter send 0n the 21 but rcvd on 28 recorded delivery

bankh8er

thanks
if i just want to keep life simple.....my charges with martins calculator come to 1295.17 and i worked out 430.40 in contractual interest. so sent letters to bank askinf for 1722.17

is it now ok just to use mcol to claim the 1295.17 plus daily int @0.021% to keep it simple or will this cause problems

esmerellda

saver_mum wrote: »

You can claim interest but the forum on mcol stuff have said to keep any claims under £5k for the small claims court so is the claim for 2 accounts or just 1?
If its for 2 you can split them up but if not it may be in your best intrest to keep it to the 5k
check the threads on mcol
good luck you will win!
:T

NO. Do not forfeit any money to keep in small claims. FAST TRACK is not to be scared of. The banks are more scared of it than you as it means standard disclosure - I have yet to see a bank comply with this.

esmerellda

bankh8er wrote: »

thanks
if i just want to keep life simple.....my charges with martins calculator come to 1295.17 and i worked out 430.40 in contractual interest. so sent letters to bank askinf for 1722.17

is it now ok just to use mcol to claim the 1295.17 plus daily int @0.021% to keep it simple or will this cause problems

How did you work out contractual interest ?


daily interest will be 28 p per day from date of issue at 8%. I have no way of knowing what stat interest at 8% will be up to the date of claim unless you complete a spreadsheet/use the calculator.

esmerellda

mani26 wrote: »

Thank you for the info;) Another matter when you send a LBA or any other letter when do you start counting the days when posted or when rcved by the bank?? I have a letter send 0n the 21 but rcvd on 28 recorded delivery

2 working days from posting legally

bankh8er

the contractual i worked out was from everytime there was a charge there was an extra charge with each one stating interest

bankh8er

my charges were 1125 then the charges table on this site made it to 1295.17
there were also extra charges of 430.40 on bank statements as interest so i have wrote asking for 1722.17

so can i now just claim on mcol for the 1295.17 as my spreadsheets say this i just put the extra 430.40 on and stated in letter it was cont interest

bankh8er

all this seems confusing so can i now just claim above and not use the n1 form and forget the contractual as i am willing to forgo it