New to this and really need help please

[freakyleaky]

Please read the mcol website thouroughly. I think it will allow you to ammend your details as long as you do it quickly. Go and read it and change what you need to quickly!

[freakyleaky]

MCOL is northampton! Nothing to worry about at this stage!

[freakyleaky]

Cancelling a claim

 

What if I notice after I have submitted my claim that I have made an error? Can I stop the claim?

If you realise that you have made an error you can, under certain circumstances, request that the claim be stopped, but you must be quick! Once you have submitted your claim, it will be processed at 10am and you therefore need to contact the MCOL team before 10am with a request that the claim be stopped. You can do this initially by telephone although you will need to confirm by email the same day. Your email should contain the claim number and the name and address to which we should return the court fee.

Where we receive notification too late, the claim will be issued and the fee cannot be refunded.

[freakyleaky]

There is a Help Desk at Northampton for MCOL customers. Staff will be able to answer questions you may have about this service. The help desk details are:

Telephone: 0845 6015935

[freakyleaky]

the 2 posts above are copied from mcol

[Lacey123]

Thanks for that. I have rang them and they have told me they will stop the claim and refund the money. I have to make the claim again now. Thanks.

[freakyleaky]

lacey, take your time with it. If you read the user guide it explains that you can take up to 28 days to complete your claim. You can do one section and then save it and go back to it the next day and continue until you are sure its all right. Just shout if you need more help!

[Lacey123]

Thanks freakyleaky. I filled in some of the claim last night and saved it and then went back this morning to amend the couple of details that I was talking about but for some reason, it did not re-save the amendments.

 

Its good to have support. Thanks again.

[freakyleaky]

You are welcome.I am pleased ot help as today ( 5 minutes ago ) I had a full offer for my claim!

[Lacey123]

Thats fantastic, I am really pleased for you.

 

Can I just ask, if the account is joint names, will the claim have to be in joint names?

[lateralus]

only one name is ok as long as it's an either/or account - meaning not requiring both sigs to do anything. most aren't.

 

i'm going to send you my particulars of claim - just to use for an example - to make sure you get your claim done really spot on this time -

 

i'm glad you caught the other - it's much, much harder to rectify after the 24 hrs has passed. so, get it really right this time.

 

this may help you too:Getting MCOL Right

[freakyleaky]

only if the account needs duel authorisation on stuff. If either person can sign cheques independantly then either person cam make the claim.

 

 

By the way, I GOT A FULL OFFER TODAY!!!!! did I mention that earlier?

[Lacey123]

Hi, thanks for your help. Yes actually, you did mention it and I am really so HAPPY, HAPPY, HAPPY for you. Congratualtions

[Lacey123]

Right then, I have just filed my claim again (its right this time), so fingers crossed, all will go well.

 

Please dont leave me though, I need all the help I can get and I need step by step instructions in this. What do I do next?

[lateralus]

ok, this is next:

 

After You Have Issued Your Claim

Your POC's state that you will be supplying a schedule of charges, but MCOL does not allow you to attach it to your claim at the time of filing.

So, once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

Quote:

The Court Manager,

Money Claim Online

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,

 

 

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2.

 

 

Quote:

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

[Lacey123]

Ok, my claim has been accepted now so I am on my way.

 

By schedule of charges, I believe you mean the spreadsheet that I compiled on the Martin Lewis site with the list of charges and interest on? Sorry to be thick, but I just need to double check because I dont want to make a mistake.

 

I will now get those together (along with the cover letter) and send off to the court today.

 

Thanks again. :grin:

[pinkduchess]

yes the spreadsheet. as you have used one from the MSE site just make sure it includes date, name of charge, & amount. and that it matches your MCOL claim amount.

[Lacey123]

OK Pink, and thanks.

[Lacey123]

Having just been looking back at the my claim on the Money Claim online site, I notice that under the claim section it says that my claim has been issued. The next column to that is entitled Judgement and it has the word start underlined in it. Have I got to do anything, or is that not for me? Thanks:confused:

[freakyleaky]

Ignore that for now! That can only be used if they don't acknowledge or defend!

[Lacey123]

Hi, sorry to trouble you again but I am just wondering, when it takes 5 days for the claim to be serviced and then 14 from then to be acknowledged by the bank, does that mean WORKING DAYS ? I am a bit confused as I have never seen it said as working days, therefore I assume it doesnt mean that.

[Castlebest]

Hiya Lacy all legal periods are calendar days count weekends and holidays.

 

You will have a deemed served date on your notice of issue, if you have that yet... DG have 28 days from that date to submit their defence to the court.

 

The 14 days that are mentioned are for acknowledgement they are going to defend and it doesnt have much baring on things.

 

pete

[Lacey123]

Hi Pete, I am still confused a bit because I thought they had 28 days in total after the initial 5 days (be it working or whatever) it takes to serve the claim. I am not in any hurry, I am just wondering what the timescales are so that I know what is happening and when it should be happening? Thanks

[lateralus]

once more with feeling - lol

you file - it it served (either a served date or it is considered served 5 days after you filed)

 

they have 14 daysfrom the served date to acknowledge - they almost always do -

then they have 14 more days to file their defence - again they do - usually right on the 28th day.

 

so, in effect they have 33 days to file their defence - filed plus 5 to serve it, plus 14 plus another 14 when they acknowledge.

 

ok?

[Lacey123]

Yes thanks :D