Reply from hsbc

[lateralus]

i had a further thought about you molly - you mentioned a medical problem and as such i don't know if you are on any benefits - if so - pay attention to this section: DO YOU HAVE TO PAY?

 

as you may be excempt from the filing fee - just thought i'd mention it.

[molly1959]

Hi

 

I will look at that did you send me your mcol to look at?

[lateralus]

yes, did it yesterday - it should be in your inbox of private messages - above the thread on the right side - blue box saying welcom molly1959 - just click on private messages - it should be there - if not - let me know i'll resend. it's not the full mcol - just the particulars of claim which has to be just so...and is a very small box with limited space on the mcol

 

ok, just checked - not in my sent items - so have resent it now

[molly1959]

Thanks i have got it now.

[molly1959]

Hi

 

Just sorting everything out am i right i file with mcol then i send copies of charges to Northampton count court?

[lateralus]

yes, it's in that getting mcol right thread - after you file - you send the court 2 copies of your breakdown - and when dg acknowledges your claim you send them one.

[molly1959]

Thanks yet again sorry to be a pain, is this the address for the bank in mcol 8 canada square london e14 5 hq Thanks for the link looking at it don't think i have to pay court fees:) I am doing my daughters as well she is with hsbc might take a while but i will get their, i am writing everything down so i don't forget, or write the wrong thing.

[Michael Browne]

Thanks for the link looking at it don't think i have to pay court fees

If you are applying for exemption, you must do it at your local court using Ex160 and N1

[lateralus]

thanks michael - think i'm having a senior moment -

good pick up!

 

 

that's correct, molly, if you are excempt - you can't use mcol - you must file the n1 at your local court. so you can use the much longer particulars found in the template library. and the copies of your breakdown for the court will go in with the n1 (on the positive side of the n1) you don't wait 2 weeks for mcol to transfer you to a local court when they defend at the end of the 28 days as you are already dealing with them

[molly1959]

Hi

 

Has any one got a draft of what they put on there N1 form for the court.

 

Thanks

[Michael Browne]

N1 - hard copy version - Particulars of claim

4. Particulars of claim - N1 - hard copy version

 

or a more comprehensive version here:

http://www.consumeractiongroup.co.uk/forum/abbey-bank/71394-abbey-national-me-defence.html#post661174

[molly1959]

Hi

 

I rang the court i do have to pay the fees as i am still getting paid from work. So i have used mcol for my daughters just finishing sorting hers then will start mine, have i got this list of charges right.

 

Name xxxxx

HSBC BANK

SORT CODE XXXXX

ACCOUNT NUMBER XXXXXXXSCHEDULE OF CLAIM FOR CHARGES

FROM XXX TO XXX

Then listed them as

overdraft charges, card misuse, unpaid d/d charges and put the amount with which ever applicable. I then send a copy to the court to be put with her claim is that right. I have just redone my charges with the 8% on but i have found a £10 card misuse that i shouldn't have had not sure what to do about it.

[freakyleaky]

Don't worry about the card misuse fee. DG will pick up on that when they make you an offer and just deduct it.

[molly1959]

Hi

 

Have i done everything ok with my daughters claim its the thread above this one thanks. Also on the letter to the court it says how much she is claiming do i add the £120 court fees she has paid today.

[molly1959]

Hi

 

Can somebody have a look at my message tell me if its ok please.

[Michael Browne]

it says how much she is claiming do i add the £120 court fees she has paid today.

No any court fees are automatically added, so don't include these in your total.

[molly1959]

Well finally done it did my daughters yesterday and just finished mine so it's ready to do. I used mcol it was easier than going the courts cause still not allowed to drive.

[molly1959]

So i just wait to hear from the courts now is that right?

[Michael Browne]

Send a schediule of charges to MCOL. See halfway down post#1 here:

Getting MCOL Right

[molly1959]

I have sent 2 copies to the court with the letter in the getting mcol right.

That was right i think. I didn't ask for the interest at the daily rate as was not sure what it was will that be ok?

[darkrage]

yes it will be ok - on the amount you are claiming it works out at about 0.22pence per day so if it lasts 4 months say it is £27.00 approx so it is not a great deal to be missing.

 

 

hope this helps.

[molly1959]

Hi

Today i received notice of acknowledgement think iv'e got it right i send a copy of our charges to hsbc solicitors looked at the template i am only claiming the 8% interest so i don't copy the red bits about interest on my overdraft? Also at what stage do i ask to be paid by cheque?

Thanks

[darkrage]

not had to do it yet but i think when they make you an offer or settle in full - then you can request a cheque.

 

hopefully someone will confirm this for you - i know there is a letter for this on the forum somewhere.

[freakyleaky]

When they make you an offer, in the acceptance letter you send them you can stipulate that you will only accept the offer if it is paid to you by cheque. You can also put this in your nudge letters to dg.

[molly1959]

Thats great thanks but do i send hsbc solicitors a copy of charges and am i right in deleting bit in template about interest as im only claiming the 8%?