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Found the MCOL with a little help from friends, and I have filed my claim. It says that I have to send another copy of charges to my bank. Is this the original spreadsheet or the updated with interest added.

Fel so much less stressed now Ihave actually filed.

This site is so helpful.


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Its the spreadsheet with the interested added. You are now at the final stage.


17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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