Hello everyone, and thank you all yet again for your responses here. I am most definitely not assuming that it is now all over - I'm far too cynical for that! I had assumed that Hoist have seven days from the day on which they receive the Notice, and if it was the same as my husband, that was yesterday, so therefore 1st December would be the deadline? I have contacted Howard Cohen with the information that dx so kindly gave me, and what HSBC told me on the phone. Yet again, I'm waiting for a response from them! If, indeed, Hoist do not present a DQ by the 1st December, I will write, as suggested to put them "on notice", b