Absolutely, thanks again have just faxed it over and hopefully will get the money in my account soon fingers crossed!

Thank you, will do. Is it best to fax it back? Ta!

Hey peeps Got a letter on Saturday from DG stating that HSBC are paying me back in full, horray! Just in time because I was going to puss the default button today. I sent my schedule of charges before they asked me to and I would strongly recommend that people do this if they can. My only question now is do i send them a letter/ fax saying yep I accept but I'm not going to sign the confidentiality agreement, has anyone got a template for this? Will make a donation as soon as I get the cash back, this has been a real eye opener! Thanks Tara

Hey you lot Isn't it weird, I got exactly the same letter from Debs in the post last night too saying that they intend to defend, also got a letter from Colin saying they'd pay part of my claim back. What a coincendence, I'm guessing Tuesday must be their letter day or something! I've just writen a lovely letter to colin saying thanks but no thanks and am just now waiting for D&G to come back and ask me for me schedule of charges. Not long now eh? But am guessing it'll be after xmas before I get any dosh back. Oh well! Tara

Hi Guys So yesterday I got 2 letters one from the court "Notice of Acknowledgement" and one from HSBC refering to my first letter, normal stuff "we don't accept responsibility blah blah blah however we will pay you £820" (the claim is for over a grand). So my question is what's the next step, do I send HSBC a letter saying I accept it as part payment and will carry on claiming the rest including my court fees? Has anyone got the link for the template letter for this? Also what happens now will D&G contact me for my spreadsheet and stuff now? Really hoping I get this dough before xmas! Thanks Tara

Thanks guys, think I got the spreadsheet right in the end, better have done because it's been sent now! Fingers crossed for cash before xmas eh! HSBC owe me one anyway, they closed down my current account by accident last month when they were meant to close down an old joint account, the problems that caused! Good luck everyone!

Right then, I've submitted my MCOL, paid 120 quid, it's the final count down now. Am guessing that HSBC will request a copy of charges etc, but just a waiting game now. Roll on Dec when I get my cash back!! Prob not much chance of getting it before xmas but I bet HSBC are trying to offer low settlements at the mo knowing that most people could do with the cash before xmas... T

Thanks Bong, really appreciate it you are a star! Can get on now and submit the MCOL! Watch this space...

Sorry to be a pain but can anyone help, am just filling in MCOL and wanna get it right, thank you!

Hey peeps Can someone please check this for me before I submit my MCOL online, this is the text for my claim: The Claimant has an account (my acct no) with the Defendant, opened April 1993 2. Since 14/11/04 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1034; (b) Interest per S.69 County Courts Act 1984 of 8% - £75.84 continuing at 8% until judgment or settlement at a daily rate of £0.24; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court. What I'm concerned about is that I've got the 8% bit right i.e. point (b) £75.84 and 0.24p. So, am i basically getting an extra £75.84 plus 24p per day on top of my initial charges until they settle? Sorry just getting all jittery and am normally pretty clued up with this type of stuff! Can anyone help? T

Hi there You don't need a SAR at all, all you need to do is fill out the spreadsheet provided by Vampiress which can be found using the step by step guide, do the one without interest if you aren't claiming for interest (which is pretty confusing by all accounts!). As long as you have all the info from your online banking you sould be fine, the SAR is just to get that info if you don't have online banking. Hope that helps! T

Hi Crusher, I haven't claimed for the interest on my charges (too confusing to work out) and now I'm wondering whether I've filled out the right spreadsheet for the 8% charges, the one I filled in was "from claim date with Statutory Interest" Is this the right one? I've not submited my MCOL just yet, just want to make sure I'm doing everything right! Look forward to your reply... T

Agghh, Crusher I need some help, think it must be because it's getting late but I'm filling in my MCOL and i'm getting confused with the charges On my spreadsheet my total bank charges claim is £1034, the total for the 8% bit is £75.84 therefore the full amount now seems to be £1109.84 and it's approx 24p per day according to the spreadsheet. For the MCOL where it asks for total amount (so it can figure out how much court fees you need to pay) do I put £1034 or £1109.84?? Don't want to get this wrong so any advice would be much appreciated! Tara

Thanks Crusher, will do, am just filling in the MCOL form now so will just go for it...!

Hey peeps I have sent my two letters and am at that all important MCOL stage, have been re-reading some of the threads and think I'm about good to go, however have a little concern- I read somewhere that if you opened your account pre 1996 that you may not be covered by the act that we are basing our claims on. I opened my account in 1993, should I be worried? Also, in the time I sent my letters HSBC have charged another £125 in over draft charges, can I add this onto my new 8% spreadsheet even though I didn't include it in the previous spreadsheets? Thanks in advance! Tara