Thanks everyone for your congrats, donation made, survey done, will close the MCOL when I see money in the bank. I might stick around and help others where I can if only to offer encouragement. This site is the best! Couldn't have done it without all the help Cheers Again

Cheers everyone, It really is a great feeling, I feel so empowered to have taken a huge corporate monster on and won! Sorry to ask again but do I have to enter a judgment on MCOL? Or is this all taken care of. Thanks again I will do the doantion and Survey right now

Hi Guys, I've won, had a letter this morning saying they will refund the whole amount into my account in the next five days. I can't believe it! They except no liability blah blah blah and I agreed to the charges when I signed up blah blah blah but it would cost to much for them to defend blah blah. Who cares, thanks to everyone who has helped me,what do I do now with the MCOL, do I have to do anything or just leave it. Right wheres the donation button. Cheers Happy Days

Hi sea-sidelady, no worries, one last thing, is this list of charges the same as I sent to the MCOL without the MCOL court charges(£50) or should I add this to the solictors set of charges I'm going to send Cheers

Hi, thanks for your reply, I sent a copy of my charges and covering letter to the MCOL Department on the day I issued court proceedings. Its taken Halifax 17 days to acknowledge and so have just received this letter which has Halifax's Legal Solictors Address on it. I have not sent the letter to the Halifaxs Solictors yet with a list of charges. Should I do this now and if yes is it just a straight copy of the interest sheet I sent to the MCOL attached to the template of the Solictiors letter thats on here. Please note the charges sheet does not have the £50 amount I paid to MCOL, is this ok Cheers Again

Hi everybody, I recieved an Acknowledgment of Service this morning, should I now send a list of my charges to the the Legal department address mentioned on the letter. They have also ticked the box which says they will defend all of this claim. Is this normal. Many Thanks Again

Ok will do. Cheers Again

Thanks everyone for your replies and help, I can't believe this is the last leg of this and I'll only believe it when the moneys paid in as it seems to have gone on for ages and they have stalled me at every opportunity. How do I send my charges to the banks solictors if I don't receive an acknowledge letter, or don't I need to worry about sending them. Thanks again

Hi, I was about to send the 7 days pay up or else letter on Friday but didn't because of the postal strike and I though I'd just check today on MCOL in case thay have acknowledged it. Guess what, they acknowleged it! It was served on 13/6/07 and acknowledged on the 29/6/07. Talk about leave it to the last minute. I'm awaiting the acknowlgement letter so I can send my charges to their solicitors. Is it just a case of waiting then to see what they do, I guess this will also be left right up untill the last day. What happens now! Many Thanks in Advance

Thank you so so much, I will keep you updated on where it goes from here. Cheers

Thanks again for all your replies, I'm just a bit unsure on the letter (payup in seven days time) bit stating of the next few paragraphs 1) Quote: WHAT GOES HERE 2)You have not filed a defence for claim number 7XX00000 at (Town) County Court, and the time to file a defence has now passed and judgement in default has been/will be granted. WHERE IT SAYS BEEN/WILL BE GRANTED (which one do I use BEEN/WILL or do I leave both) 3) I am writing to give you one final opportunity to make full payment of £000.00 DOES THIS TOTAL INCLUDE THE COURT FEES 4)If I have not received payment in full by 4pm (date - 7 days from date of this letter) I will file for Judgment in Default/apply for a warrant of execution. WHERE IT SAYS which one do I use DEFAULT/APPLY or do I leave both. 5) Also do I send this to the usual Trinity House address. Apologies for all the questions but I don't want to screw it up at this late stage Cheers

Thanks for your replys, this seems to be going on and on. . . . it can get quite confusing which I'm sure its why they do this. I'll wait till tomorrow and then send another letter as suggested in your posts above. If that does not work I'm sure I'll be back for more questions as its getting really confusing and I want to make sure I get it right. Thanks Again

Hi I recently filed court proceedings through MCOL and also sent a covering letter and list of charges to the Court. The 14 days is up tomorrow (Issued 13/06/2007) and The Halifax have not even Acknowleged it yet, is this common and do you think they will. What do I do if they don't Many Thanks in Advance

Hi there, have gone through all the steps carefully that are on this forum and have received the standard letters like we will get back to you whenever and then recently that they have looked at the charges and they are correct so I have issued court proceedings through MCOL. Have sent a list of charges to the court to be attached to the claim and are awaiting the notice of acknowledgement to send the charges to the Halifaxs soilictiors to. Is is just a waiting game now? Many thanks to this site and I will definately be donating hopefully fingers crossed when they pay up.

Excellent, thank you Sea-sidelady, will post progress of how I get on.