Hi My wife and I had a joint HSBC bank account together up to 17th March. We are separating and wanted to have our own separate bank accounts, HSBC seemed the easiest route to take. I initially went in to see them on a Monday and asked to open a new account, this was done. They also froze the joint account (with about £400 in there) until we could go in together to see them. Here's what I don't understand and where I think that HSBC staff basically lied to us, but I don't know the rules. The clerk who was dealing with the accounts said that because we'd come in and told them that we were separating it would be illegal for them (not HSBC rules but FSA rules) to keep the joint account open. The problem that this caused was the Direct Debits I then had to transfer from the old joint account to my new (and empty of cash) account were returned. All of a sudden I get three letters more or less within a day of each other from HSBC that they are closing my new account because of 3 returned DDs. Did HSBC lie to us that they MUST close a joint account when they've been informed that the couple are separating? To say I'm furious at how they've treated me when I've been a decent customer (paying for their Premier account when it was a joint account) for the last 7 years or so.

Does anyone have any comment?

Now this is the one that's got me bamboozled?? It came today via email with a copy being sent in the post. I'd really appreciate it if someone could help me decipher it. As far as I can tell Brady Solicitors have not yet been served with the N244 form as I spoke to Manchester County Court yesterday to see where we were up to and they said it wasn't "in their system yet".

That N244 was submitted by recorded delivery on 17th June to Nottingham County Court. On the same day I had a phone conversation with the person who "looks after" our property and emailed him this summary of the conversation (this is actually an amalgam of 2 separate emails).

Details on form N244 - application for county court judgement to be set aside. I am applying for the judgement to be set aside for the reasons below. The court papers were not received by me. This is because they were sent to an incorrect address (OLD ADDRESS) that I moved out of in June 2004. My current address since June 2004 is NEW ADDRESS. All letters from Scanlans Propery Management were sent to NEW ADDRESS, up until some time in 2009 when they started sending letters to OLD ADDRESS. I reminded Scanlans Property Management of my correct address on July 8th 2009 [DL00l] and again on October 24th 2009 [DL002] by email. Scanlans Property Management acknowledged receipt of my email [DL003] and stated that they had changed the address on their system back to the correct address on 26th October 2009. In October 2009 I tried to discuss setting up online payments with Scanlans Property Management, on October 27th 2009 Scanlans Property Management forwarded by email a copy of a letter from 27th July 2009, sent by Brady Solicitors to my old Address. [DL004] On November 17th 2009 I spoke to Laura Severn from Brady Solicitors and explained that their communication was going to the wrong address. This phone conversation was followed up by an email on the 17th November [DL005] and follow up emails [DL006], [DL007] and [DL009]. On November 26th 2009 I received an email from Brady Solicitors that they were taking instructions from Scanlans Property Management and would be in touch [DL008]. On December 10th 2009 I received an email from Brady Solicitors stating that "Please note that no further action will be taken against you whilst we are in the course of resolving this matter and will contact you as soon as we are able" [DL010]. I received a further email on January 8th stating "I refer to your below email and confirm that we are now in receipt of instructions from our client who have agreed to waive the legal fees. I would be most grateful if you would contact the office to make your payment for the amount, we are able to take payment via debit or credit card" [DL011] On January 11th 2010 I contacted Scanlans Property Management as directed [DL012], and when I received their bank details I made a payment of £475.02 via internet banking on January 13th, followed by standing order payments of £48.61 on 28th January set up to transfer monthly. On May 4th that I noticed that the payments from 01/03/2010, 29/03/2010, 28/04/2010 had been returned to my bank account as "Beneficiary Not Found". I contacted Scanlans Property Management [DL013] who told me in an email "I have queried this with our accounts team and will let you know what the problem is once they have come back to me." [DL014] It was only on June 2nd 2010 that I was aware of the Judgement placed against me by Nottingham County Court - sent to OLD ADDRESS. This was brought to my attention via a photocopy of the document from my mortgage company Northern Rock together with a notice pursuant to Section 146 ofthe Law of Property Act 1925 [DL015]. I contacted Northern Rock by Fax to let them know I had not received any court issue papers and that I did not authorise them to make any payments to Brady Solicitors or Scanlans Property Management [DL016] I did not receive any court issue papers from Nottingham Court as they were sent to OLD ADDRESS. I did not have a chance to defend this matter and respectfully ask the Court to set aside the judgement. I have attached copies of all of the emails and relevant documents.

Hi, Mr & Mrs Photovoltage are about to be defendants in a case from our property management company. This is being brought about by a company called Brady Solicitors who seem to specialise in this sort of thing. I'm going to post the details included on our N244 form that was submitted (excluding all the attachments), followed by the latest from Brady Solicitors (today). We're currently at the stage where Nottingham County Court have given us a notice of transfer of proceedings to Manchester (our local court) this is dated 25th June. In getting ready for this we've spoken to our Mortgage Co. Northern Rock, Citizens Advice, and had a free consultation with a local solicitors who have told us that they'd be happy to take on the case but it would probably cost us more than the amount being claimed by the management company (and that the County Court is unlikely to let us claim those costs back). I'm hoping that someone on here will be able to explain what on earth the latest letter is on about because it's left me baffled.

Wow - 92 pages of posts on this topic. Is going to keep me busy for a while. I'm so angry at Halifax for putting a default onto my account, when clearly the amount on there of about £570 was all of their charges (I claimed back about £1500). I'm really hoping that when I get a chance to sit down and read this thread and the one from Jonni2Bad I will be given some hope, cos right now I'm at the end of my tether and I just can't face the fact that for 6 years I'm going to be unable to get a credit card, a mortgage, a car etc... DAMN THESE BANKS

OK - here's an update on whats happened. They have paid the money into this account - the full ammount claimed in my MCOL claim. However they will not let me access the money as the account was closed by Halifax in January, just before I started my claim against them. So I have the money there, less the amount the account was overdrawn by. But I don't want to accept it as part of my claim was to have the default notice removed from my credit record. There are so many threads on this I'm finding it a ball-ache to sit and read through. Has anyone successfully had a default notice from Halifax removed from their account? The main reason I ask is that having the money from the charges back is nice but I can't live with another 6 years of not being able to get a mortgage or car loan etc. I need that default removed - and the only reason it is on there is because of Halifax's charges.

Hi Guys, I'm pretty convinced that my claim vs Halifax see here is going to be successful within the next couple of days so I've started working on my wife's HSBC Account. It's a bit different from the Halifax one so I've got a couple of questions I'd like to ask. On the statements there are a few details that I'm pretty sure are charges we can claim for such as. Excess Overdraft Fee (huge ammounts like £75 or £100 each time) Recall S/0-D/D (seems £25 or £30 each time) And the helpfully named "Total Charges" or "Notified Fees/Charges" Then there are a couple of others that have thrown me can someone please confim that these are charges that we can claim back. Card Misuse - £30 (I have no idea what the hell this is, a charge for using your card to scrape the ice of your windscreen maybe) Overdraft Fee - £25 (which is listed seperately to the Excess overdraft fee) Any help in this situation would be greatly appreciated

OK Here's what's new. 4th April submitted my MCOL claim totaling £1,968.53 inc interest and court costs. 11th April Halifax acknowledged the claim. Received a letter yesterday (post round here is rubbish) dated 10th April from Halifax. They are going to arrange a payment of £1,122 as full and final settlement. Obviously they still need to pay me an additional £846.53 for it to be a full settlement. What's the best tactic now to ensure that I get everything that is owed to me?

Thanks to their very handy download section on the internet banking site I've downloaded my statements which made going through them a lot easier using the search function for the word "fee". I have got paper copies too. Popping my statement of charges and prelim letter into the post today. I am a bit worried as this is my main bank account - will Nationwide REALLY close my account if I send them this letter? What will happen to all of my direct debits etc? Surely they are not allowed to do this.

I'm being dumb - AQ?

Claim acknowledged 11/04/07

Well its Wednesday and no word from Halifax... hi ho, hi ho its off to Moneyclaim I go...

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/65233-photovoltage-halifax.html I had exactly the same issue with Royal Mail - I have already had a response to the letter that wasn't signed for so the fact they haven't got it logged on the royal mail system does not mean it wasn't delivered.