Hi GaryH I am just starting to claim against Halifax Visa but have come up against the hurdle of their address I have contacted is their Card Services, Pitreavie, Dunfermline...this is Scotland so MCOL won't accept it - where did you correspond with? Thanks

Hi Vampiress I am really struggling to identify your spreadsheet in which I can work out the contractual interest rate I can charge my bank for unauthorised lending from me prior to a court claim in which I can claim for the 8%. Similarly am I agin being daft in saying I cannot write in the google spreadsheets you have in your chambers?...I'm not a great teckie so it could be really obvious & I'm incapable! Thanks

Hi Please can someone tell me what charges I can claim for if I don't know what they were originally for?...I have received my statements from the Halifax dating back 6 years (without charge or problem other than the long delay!!) and they simply state 'Charges as notified' - with no further clarification as to what they were for...undeterred I progressed to the spreadsheets having decided to claim for all of them only to find they require a breakdown as to what the charges were incurred for...so when I came to complete the spread sheet I don't know what to class the charges as in the breakdown?!? How do I find out?- or do I not need to know? and can just progress my claim anyway? Also can I claim from the banks for late payments on credit cards where I have been a couple of days late and they have slapped a £25 charge on me - or is that legitimate as those are the terms of my borrowing (as Mint informed me?!?). Thanks