Hi Old Cogger Sorry for not replying on time as i was abroad for a short break. I am the claimant and I have all the papers work from the claimant and not offer has put on the table. 1) 1. Should i bypass the mediation? 2. will this mediation will affect the case?

Anyone went through Mediation??

Hi Ford I got an email from Small Claims Telephone Mediation as both parties have filed DQ (N180) and have all requested mediation and provisional appointment time and date is on 26/02/2018. I have not being on mediation before and don't know what to expect. Here is the copy of the email I got today. Small Claims Telephone Mediation Service.pdf Delegating Authority to mediate (attachment) (1).doc

Hi all Here is the update of the claim from MCOL You submitted a claim on 08/12/2017 at 15:00:42 Your claim was issued on 11/12/2017 Capital One (Europe) plc filed an acknowledgment of service on 19/12/2017 A bar was put in place for Capital One (Europe) plc on 12/01/2018 Capital One (Europe) plc filed a defence on 12/01/2018 DQ sent to Capital One (Europe) plc on 12/01/2018 Capital One (Europe) plc filed a DQ on 30/01/2018DQ filed on 30/01/2018. Capital1 is playing Hard ball but I will go all the way until the hearing day and start preparing the defense

Hi Ford Probably I missed the link, but thanks for the reply and I am not forgetting your assistance last time when with a successful claim against Barclay card in 2013. I am pleased you are still around. Thank you

Anyone know how is the fees for allocation questionnaire, few years ago was £40. I couldn't find it in Ex50 leafle as the deadline is 29 January. Any assistance would be appreciated and thanks

Claim filed today through MCOL

Do meant the reply dated 23/11/2017, with the two link to gov.uk and I don't need the user guide and I needed a template of short statement to fill up the part5 of MCOL form.

Hi I went today to my local Croydon County Court to hand my N1 as my Poc does not fit MCOL's Poc, sadly all counter services were shut down few months ago. If phoned MCOL help line and advised to send the N1 to Salford with the fees as a cheque or a postal order however, i don't have a cheque book anymore. MCOL advised to send the extra Poc to the defendent within 14 days of the claim being issued with a covering letter and fill the N215. My question is 1) Does anyone has a template for a short statement to fill up the part5 of MCOL form? 2) Do i need to tick the right to claim interest under the county court or not to tick it and include the county court interest in Poc? Thanks in advance for any assistance

Hi Ford I think, MCOL it's little complicated and I am more comfortable with filling N1 as I did against Barclay and Lowell. As the claim is over 5k I want to make sure everything is right, Cap1 are more harder to deal with but take my chances with them as they give me hard time 10 years ago default,CCJ and charging order which still stand.

Hi Ford I have not use MCOL before, I prepared POC ,however my POC doesn't fit in MCOL claim . Do i send the Poc and schedules separately? Also is there any template for a short statment for MCOL. Thanks for a your assistance Noumidia

Hi I send a Sar I. 2014 and received the whole pack as usual. However the statement is back dated from 2002 even the a/c was open in 1999. Between 2002 and 2004 there are about £500 of charges in late and cover! Iimit fee. My question are 1) Should I file a court claim ignoring the charges before 2002? 2) Is possible to file a claim directly to my near county court ? Thank you for your assistance

Hi I made a claim against Capital one about the charges in 2014 by sending the first letter then followed by LBA. On 14th April 2014, I received a letter from Capital one refused to refund the charges and they stated in their letter “Financial regulations require me to advise you that this is my final response in relation to this matter. If you fell I have not resolved your complaint to your complete satisfaction, you now have the option to contact the Financial Ombudsman Service with six months from the date of this letter.” I know I should have taken the case to the court sooner after I received the rejection letter for the claim. On February 2017, I decided to make fresh claim and I send LBA, Capital One replied to my LBA by saying “Please refer to our letter dated 14th April 2014, which was our final response on this complaint.” Also the keep saying I had the chance to contact FOS within 6 months from the date of our final response. My question is can I still file a claim through a small claim court? capital#21_02_2017.pdf capital#16_11_2016.pdf capital#14_04_2014.pdf

Sorry Andy I misread the word " cant" by "can" that's why I was asking how to strike it.However what do I do. Do i write to the court ask what happen to the case?

Do i fill a form to strike out capquest claim as I filled a defence about 10 weeks ago. I received today a statment which include court and solicitor fees.

Hi Andy How do I strike it out?

The defence was resubmitted on 07/07/2014.how do I struck the claim?

Hi I apologise for not updating as I was away for few weeks. However after I submitted the defence I phoned and emailed them the case number and never heard from them. Does means that the case is closed.

I will try to phone them tomorrow and I will let you know what is their story see you then tomorrow. Regards Noumidia

I submitted the defence on behalf my wife as a friend litigator, i f I phone them will they speak to me or they will insist to talk to my wife?

Okay, thanks for the advice I will compose a letter and send to capquest solicitor asking them to withdraw the claim. Regards Noumidia

Hi Andy The defence was resubmitted on 07/07/2014 and acknowledgement was received last week.

Okay well if you log on tomorrow Ill run through what it needed to amend your defence. Regards Andy It is possible to amend a defence after submitting it.

Ok, Andy and thanks for your assistance.

Yes you're right, now it's is lloyds banking group bebt not HBOS. However HBOS emerged few years ago with lloyds TSB and created llods banking group. The account have same number and the loan was originally from BOS.