tilly49vhalifax **won**

[**Tilly**]

does anyone have the best number to ring halifax the one ive got is 08457 253519 been hanging on for ten minuets so far or an email address

[**Tilly**]

panic over got through after 30 min i did put date on must of come of the page when copied spoke to a nice guy called tim said i should hear by next wednesday they are working on my claim so we will see so we will see which way it goes

[**Tilly**]

hi all just a quick question my lba runs out next thursday if i dont hear from halifax what day do i start mcol

[suze1]

Hi Tilly

 

I am sending my LBA on 8th May and will start my mcol on 22 May, as looking at the mcol site they start the claim on the following day. So looking at your dates would say that you should start your mcol on 11th May, that is your 14th day. If I'm wrong hopefully someone out there will put us both straight!? How are you feeling about it all?

 

Suze

[**Tilly**]

its both exciting and nerve racking just wish they would settle and be done with it the other half is sulking cos ive pinched his pc i did ring them up yesterday waited 30min was told my claim is being dealt with will hear by next wednesday talk about leaving it to the last minuet but it will most likely say we have blah blah how are doing

[sea-sidelady]

Send your mcol on friday.

[**Tilly**]

thanks seasidelady will do will start reading up and hope i get it right is the same for over 5k

[**Tilly**]

been reading other threads on mcol and n1 forms dont want to seem thick but the more i read the more i got confused what is the difference between them dont want to muck it up when i start to file court papers which one do i use

[sea-sidelady]

You use which ever is easiest for you. There is not really any difference.

You can fill in the mcol forms without having to send them, might be worth a try looking.

 

If not all the N1 forms are on here aswell.

 

Which ever you decide you will get all the help you need.

[**Tilly**]

thanks seasidelady i will read them both and im sure i will need help along the way thanks again

[**Tilly**]

back again if you can only claim upto 5000 in small claims court what do you do if its over that amount is it the same route

[**Tilly**]

just to add i opened a new bank account tody with nat west i cant remember what thread it was but they mentioned a step account thanks for that if you reading this thought it best just in case might not need it but you never no:)

[emmaf01]

Having a parachute account is vital- but a closed account can be brought up with the ombudsman, and get you a further £200!

[**Tilly**]

have been trying to look at spread sheets but having trouble is it excel or works thought i best as LBA ends 10th may need to sort my mcol or n1 out but having trouble with spreadsheets not heard a word from halifax as yet but not really surprised

[emmaf01]

try the google ones in Vamp's chambers- they worked for me.

[**Tilly**]

thanks emmf01 will give that a go

[**Tilly**]

okay just been vampiress spreadsheet but which one do you use simple version from claim date.is this the date you file mcol or when you first started to reclaim starting to panic here all looks very confusing and what is fast track

[**Tilly**]

hi i have printed of n1 forms think i got the jist of them now its the interest bit that is confusing me been on vampiress but theres different templates which one do i use file my claim next friday so i want to get this right dont want to rush it and make a mistake

[sea-sidelady]

Fast track is when your claim is over £5k, the court allocates it.

 

Fast track and multi track

 

http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519

 

Your claim date is the date you sent your SAR.

 

If you use the simple version on the spread sheets it will work all the interest out for you. And the daily interest as this gets added now aswell.

 

Dont forget to add your SAR fee to your N1.

[**Tilly**]

brilliant thanks sslady it s so much much clearer when someone explains it to you in easy writing thanks again will give it a bash

[**Tilly**]

thanks sslady you are a great help will give it a bash tomorrow thanks again

[**Tilly**]

right managed to find spreadsheets but more confused than ever there are so many colums where do you start and also how do you work out the daily interest i need help here starting to painic court day drawing nearer

[sea-sidelady]

you only need to fill in the first 4 colums.

 

"Charges as notified...Amount...Date......Interest"

 

The interest will work itself out.

Here is a look at a similar one...

 

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

The daily interest is easy aswell. Take your charge total (including interest if you have an overdraft) and times it by 0.00022

[**Tilly**]

thanks seasidelady new you could help thats brilliant thanks

[**Tilly**]

hi all just been reading up on fast track if claim is over 5.000 it looks pretty scary stuff has anybody else had to do fast track if you how did you get on as mine is over 5.000 like to no whats in front of me file court papers next friday