half dozen accounts...how many summonses?

[Its WAR]

My family have 6 A&L accounts including 2 MBNA accounts (not including the accounts that have had settlements).

Should the four of us issue 4 individual summonses, or should we mitigate our costs and go for one big claim listing ourselves as joint claimants? The amounts total approx £1000.

I guess we could do a joint claim for allo the A&L accounts and another joint claim for the MBNA accounts.

[Steward]

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[Its WAR]

I need to issue the summons now. Any advise?

[Its WAR]

Summons is a bit premature. I have only lba'd one of his two accounts. I have noticed though, that on his two accounts there has been no interest charged by the bank. But overdraft usage and exceeding fees etc.

Anyway, I have now combined the two accountrs and sent a new LBA which I know they will refuse to pay.

So in two weeks I will issue the summons, eventhough they have agreed to freeze the account until the test case in resolved.

I know about the section 69 8% interest which is added after the calim succeeeds, but as they have not charged interest (but fees instead), how do I deal with adding interest to the claim, before the 8%?

[younganfree]

Hi, Its WAR.

Have you read through the FAQS thoroughly? It should tell you all you need to know in there.

May I suggest you give them another read through? - just so you are sure you know the procedure and feel confident in your claim.

It should also help with your query about interest.