Thanks! I issued MCOL claim on 2nd November, made judgement by default and then the letter came direct from their legal services department saying 'here you go!'

I've just had a letter though from IF's legal department (having gone through MCOL) stating that although they do not admit liability they will reimburse all the monies due. Just checked my bank balance and money has been deposited already (about the first good thing I can say about them since opening my account!) Have transferred the money out and am just writing a letter to close my account. It's a bit of a long old process but well worth the effort!