hi michellemeenan is the process the same in ireland? def give a chase up call but thats all i can rec as i did not have to go to court etc i think you may need advice off a more knowlageable member sorry i could not do more. shame all cases do not run the same. keep in there

hi thanks karnevil will post you when i get confirm letter etc

hi to you all i was just looking on the site yesterday for help about the mcol. one of the threads mentioned ringing 0121 2341068 clare mc bride . so i did on the day i was going to do mcol.i mentioned to her the offer of 295 from them (amount owed 526),i said that was okay as partial payment but i would be looking for the full amount.she went on to me about the data protection act and that they did not legally have to refund monies for bank accounts, i disagreed but she said the same thing again . she also said all monies offered to customers was as a good will gesture(why give lots of money if not in wrong! ). but i then said that they owed me £526 and if i did go to court 8% interest + £10 for request of statements + court costs will be added. so i would not accept anything less than £600 , she then offered me goodwill!!!!! gesture of £580 . and i hope i dont dissapoint anyone on the site but i accepted. it saves me going to court and i am back at uni soon. also i have been offered all my charges.so i am happy. i will be expecting my confirmation letter off clare mc bribe tom. did i do okay all my site members. i will be donating to the site as you have all been brilliant . thanks

hi was told that could pay mcol with debit card but looking at my montain of paperwork that i accrued it says mcol do not accept visa electron is this still true as this was info from a couple of months ago. do you know if they accept meastro etc debit cards. thanks for anyhelp.

thanks alexifa , not too long to go now .

hi to you all hope you are over the new year celebrations. im gonna do my mcol tom can you pay with a debit card ? thanks to all

many thanks to you both x

thanks for that but does this mean it takes a while as i want to do it in one day.

hi and merry xmas and new year to all. just about to do my mcol can anyone tell me how long the process takes on line to do . just busy doing the holiday thing so would be great to know how much time out i need to take . glad im on the last leg now , hopefully in for a good new year. thanks

hi was going to do my mcol in the next day or two but looking at the site jonni2bad mentions about stoppin if you have not sent the bank a revised schedule of charges with intrest added. i have not done this so do i send that off before i do the mcol?. because i have been busy at uni it is now a couple of days over me havin to put the mcol in is that bad? also checked joni2bad thread and it it says if the bank offer you full and final payment then you have to take it .this is what my letter says as a gesture of goodwill i would like to offer you a refund of 292 .bla bla to accept my offer in full an final settlement of your complaint,please sign and return the form alternatively if you are not happy with the offer or wish to dicuss the matter further then telephone etc ........the offer will remain available for two weeks . very sorry had to do new thread as no one in sorry . merry xmas i will be donating when i win!!!!!

hi well the bank have offered me 295 time is up in a day or two so i just wanted to ck something . can anyone tell me if doing the MCOL takes ages to do and is it relatively easy to do ? i have bought the claim pack but as i had a 5000 word esay to hand in today i have not had too much time to read up . be dead grateful for any help. yours gratefully a tired student. merry xmas to you all on the web site.

hi just a quick one think my last thread did not go on properly so sorry to do it again. for my claim of £536 they have offered me £295 but i will only take this as part payment. just wanted to ask something ,on saturday i am doing my mcol. as the bank have all my money i cannot pay the £120 fee but my sister or brother in law said they will pay it for me are they able to do this ? thanks for any info p.s thanks for all the help on this site.

hi to you all. i have sent off my lba , they didnt even offer me a partial payment for my prelim letter.when i do the mcol how much does it cost my claim is for £536 . also how long after puttin the mcol in does it take for the halifax to settle as my other half left his job 2 weeks ago so until he starts his new job tomorow we will have no money till the end of dec. thanks for any help

thanks for your advice speak soon

hi to you all things going okay just need to check something though. i sent my prelim letter on the 17 th of nov and i was going to send the lba on the 1 st of dec so that is 14 days . that is right or do i give them a day or so after i send out letters in order to get them? also after i sent out the prelin letter they have sent me one of there fobb off letters goes " thankyou for your letter to answer your concerns we need to carry out a full investigation we will contact you when this is done" i dont think so they will be gettin the lba sent on friday ,do they just not think whats the point and just give us our money back they eventually have to anyway. they make me laugh . thanks for any response