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MCOL charges help
Dave2007
Posts: 21 Forumite
Can any one help. I have made 2 claims to Halifax totalling just over £7000. I kept the first claim below £5k as it suggests we do. However, I am also claiming the interest and this has taken it to £6,314. I have filled out my form on MCOL and it has asked for £250 fee. I will borrow the money for this, but have I shot myself in the foot as the claim to MCOL is now over the £5,000 mark, or should I now wait for my 2nd claim to Halifax expire and add the 2 together for MCOL. The total including interset will be £8,724.
Could someone please advise the best option to take.
Could someone please advise the best option to take.
Halifax Bank - £8,724.57 (inc int)- MCOL - settled £7,108.00 (claim less interest):j
Halifax Credit Card - £279.70(inc int) 1st request :rolleyes:
Egg - £665.26 (inc int) - MCOL £749.97, by default :j
Marbles - £1,390.54 (inc int), offered £0. 2nd offer £550, threated court for remainder, accepted £1096 (claim less interest) :j
Capital One - £1,024.72(inc int), MCOL settled £1,152.77, (int+court costs) :j
Creation - £375.55 - 1st request, settled £312.41 :j
Barclaycard - £1343.27 - offered £366 - rejected threaten to court :mad:
Sainsbury Bank - £ £1056.86(inc int) - MCOL :mad:
Halifax Credit Card - £279.70(inc int) 1st request :rolleyes:
Egg - £665.26 (inc int) - MCOL £749.97, by default :j
Marbles - £1,390.54 (inc int), offered £0. 2nd offer £550, threated court for remainder, accepted £1096 (claim less interest) :j
Capital One - £1,024.72(inc int), MCOL settled £1,152.77, (int+court costs) :j
Creation - £375.55 - 1st request, settled £312.41 :j
Barclaycard - £1343.27 - offered £366 - rejected threaten to court :mad:
Sainsbury Bank - £ £1056.86(inc int) - MCOL :mad:
0
Comments
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Can any one help. I have made 2 claims to Halifax totalling just over £7000. I kept the first claim below £5k as it suggests we do. However, I am also claiming the interest and this has taken it to £6,314. I have filled out my form on MCOL and it has asked for £250 fee. I will borrow the money for this, but have I shot myself in the foot as the claim to MCOL is now over the £5,000 mark, or should I now wait for my 2nd claim to Halifax expire and add the 2 together for MCOL. The total including interset will be £8,724.
Could someone please advise the best option to take.
If you split the claim more evenly you can get both claims under £5,000 as £8,724 /2 = £4,362
It doesn't matter how the claim is split really so move it say a month at a time from one claim to the other till its under £5,000 
Got It & Spent It :dance:IKEA CARD = £120 charges = £175 received (146%)MARBLES = £450 charges = £370 received (82%)I.F. = £494 charges = £494 received (100%)CAPITAL ONE = £981 charges = £1,489.03 (152%)BARCLAYCARD = £580 charges = £786.12 (136%)On Hold :mad:A+L = £722 charges (target = 147%)BARCLAYS = £1,405 charges (target = 128%)BARCLAYS = £175 charges (target = 140%)ABBEY = £3,220 charges (target = 148%)0 -
LozBingley wrote: »If you split the claim more evenly you can get both claims under £5,000 as £8,724 /2 = £4,362 It doesn't matter how the claim is split really so move it say a month at a time from one claim to the other till its under £5,000
Does it matter that I have already claimed to Halifax for the 1st £6k (inc interest). Do you have to claim the same amount in court than you do to the bank or can you claim different amounts to keep it under the £5k at the courts.Halifax Bank - £8,724.57 (inc int)- MCOL - settled £7,108.00 (claim less interest):j
Halifax Credit Card - £279.70(inc int) 1st request :rolleyes:
Egg - £665.26 (inc int) - MCOL £749.97, by default :j
Marbles - £1,390.54 (inc int), offered £0. 2nd offer £550, threated court for remainder, accepted £1096 (claim less interest) :j
Capital One - £1,024.72(inc int), MCOL settled £1,152.77, (int+court costs) :j
Creation - £375.55 - 1st request, settled £312.41 :j
Barclaycard - £1343.27 - offered £366 - rejected threaten to court :mad:
Sainsbury Bank - £ £1056.86(inc int) - MCOL :mad:0
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