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Yeah but c'mon - the whole point of this is to claim back unlawful charges - not to get away with as much as you can. Sure, if under the CCA they are obliged to send you a copy of your signed contract then fair enough but why are we trying to catch them out. I don't mean to offend but does that not make us as bad as them? OC

Dydie, I know, the £120 crippled me and I got charged as a result. However, you get it back anyway. Four weeks max now although more like 2 weeks maximum hopefully. OC

Don't worry, it doesn't matter what the OFT were referring to TBH. At the end of the day, the charges are penalties and under contract law, you can't penalise someone for a breach of contract. Continue with it. They're only trying to put you off. OC

Congratulations to both of you. OC

FANTASTIC! Well done Gordon. Pleased for you. It's all coming together nicely for everyone now. OC

WELL DONE!!! It's about time - I'm happy for you. OC

I absolutely agree with you regarding charges although feel that cars that are a danger, such as those too near a junction on double yellows, should be towed. This however leaves the policy open to abuse by the council. People who park in disabled spaces without a blue badge should be towed and charged an absolute fortune for recovery - it really annoys me when people do that. I'm not disabled and don't posess a blue badge so it doesn't affect me personally when people do it but I think it's arrogant and downright inconsiderate. It's usually people in big smart cars who park there to avoid someone parking too close next to them and opening the door into their car. I've got big car, reasonably smart, and I never do it. Why does anyone else need to? OC

Don't worry - if they close your account, open a new one elsewhere. If they have withdrawn their offer, take them to court for the full amount plus interest. From your post it sounds like you've just got a card through the door saying you weren't in. If so, how does he know it's HSBC? It might not be. Stop worrying - you'll be fine. Keep us posted. OC

Yes, if you had to sign a full and final agreement this will have been in respect of the previous claim - you still have the right to claim for future charges. However, if you do I would strongly recommend that you make sure you have a parachute account set up. They will almost certainly close your account "for commercial reasons" if you make a further claim on the same account. I guess this is understandable because despite their refund of the charges, you're continuing to mis-manage your account (I'm not having a go at you here - I'm stating it from their point of view. I'm going to work really hard now to keep my account in order so that I don't incurr any additional charges and can try and build up a good relationship with my bank. OC

Fingers crossed for you all. When's the deadline for a defence to be filed? OC

I think the 25% refers to the fact that the council based 25% of their decision on the bailiffs cost to the debtor. I could be reading it wrong though. OC

Well, I did mean to add that I very nearly did it myself. It's easilty done because you're that fixated on entering HSBC's address that you just assume it's the first thing to enter. OC

LOL. DOH! OOOPS! I think you should call the Court Service Helpline asap. There will probably be a fee of £35 to amend your claim. Good luck OC

Sorry Barney, I don't like pointing out typos (and don't usually do it, especially in public) but you appear to have typed days instead of weeks! LOL Good luck OC