Thanks for reply Pete, I will phone the claims company on Tuesday when I'm off work, regarding progress on the business account , see if they can earn their 10%! All documents and statements were sent to them in July 2007, so it should be stayed in a court somewhere, and therefore 'account in dispute' but have had limited info from them. Is there a templete letter I could use for business account in dispute? The account has not been used for sometime but remains open incurring £4 in interest per day.....forever?!, my husband has been told he can't have another business account in the future.Good old HSBC. Many thanks for all help and advice.

Hi Pete Castlebest, thanks for your reply They are demanding repayment of the loan as it has had numerous defaults on it. I think it was originally taken out about 5 years ago for approx £20k as a personal loan to put into the business account on advice from HSBC to get rid of the overdraft situation/ bank charges cash flow problems etc. Then approx 3 years ago it was changed to a small business loan, in January it had arrears defaults more charges etc. for about £3k now it is £7k. Hence the demands I will pm you the letter as I can’t delete the personal details, for reference to the Equifax Experian and Creditcall details. Any advice please?

Hello All, Not posted for a while but have been 'watching in the wings' My husbands personal account like many others has been stayed and we are playing the waiting game. The business account was signed over to a financial claims firm, a trading name of a solicitors which would take 10%, and claim the 8% interest plus the contractual interest etc. I tought this was a fair return as I have limited access to a pc, and it would all be taken care of. A small business loan was taken out from HSBC to cover the overdraft including outrageous charges etc. with a condition their payment protection plan was taken out. A letter has been received by both business partners from a Emma Boardman.....Head of central underwriting unit...Experian Equifax Callcredit on HSBC paper listing a PO Box number and the Salford branch Manchester, this is not where the account is held, demanding immediate repayment of approx £7k stating action maybe taken by debt collectors or solicitors and court action maybe taken. Is there an ' account in dispute letter' for businesses or has anybody any other advice or ideas? Thanks

Sorry to bump this back up but I could really do with some advice. Thanks

Hi all. Just to update you on the situation so far. Re.my husbands personal account :- Filed N1 at local CC. HSBC Acknowledge then Defend as expected. Aq received from local CC, filled in as per instructions on this site also attached Draft Order for Directions. Local CC recieved my AQ on 7th July 2007, DG had till 9th July 2007 to file theirs. 'Unless' order issued by Judge giving them till 2nd August 2007 to file or Defence be struck out. Phoned Court on 3rd August and was informed that the Judge had Stayed all claims pending outcome of 'Test Case'. Received letter confirming this couple of days later dated 31st July. Also received letter from DG saying they will request a Stay blah blah blah, looks like a standard letter that all banks are sending out. Now for my question. Have I come as far as I can for the time being awating the outcome of the 'Test Case', or is there anything I can do in the meantime to get things moving again?. Any help would be very much appreciated. Cheers Marrac.

Hi, Have now recieved statements for business account, applied S.A.R. end Feb. after 3 template letters for non compilence and a kick from the Comissioner have received statements from May 2001 instead of March 2001. I am still confused about 'total charges' I seem to remember a moderator saying you could claim for these in there entiraty and other posts saying a further breakdown is required, it has taken so long to get the statements, I'm tempted to just include 'total charges' as read. Any advice? Also as a sole trader do I use the standard template letters as per a personal account? ( This is for my husbands business account) Thanks for any advice.

Thanks for that, Is there a phrase I can use as I don't have the date the account was opened?

MCOL query for husbands personal account. I only have access to my works pc, so regarding the 'statement of truth' 'I am the claimant' Can I still use MCOL or do I have to file at the local court with a N1 form?

Excellent, will do many thanks.

Hi, two small problems so far, business account only recieved two and half years statements,( some from 2003 some 2005 some 2001) DPA request sent 21st Feb, template letter 2 for none complience sent 10th April ( tracked post recieved 11th April) Shall I sent template letter 3 or write to OFT/ comissioners office? Personal account sent prelim recieved "looking into it letter" and shiny leaflet, sahll I send LBA now, just wondering as I will be away from 9th May to 22nd May and dont want to miss an offer with timescales etc. Thanks for any advice

Thanks to givememymoney and lateralus for your replies and links will keep watching toto691 and make me happy for business account problems/solutions and will no doubt be back for advice and encouragement.

Thankyou for the replies PPMAN159 and lateralus, I did understand the basic concepts and will be just claiming the 8% at the later stage as this claim is for approx £937. I think I lost the plot with the wording in the template....obviously enter zero in " plus £XXX " I was thinking of editing the last sentence out. The old grey matters turning to jelly already and I'm only at this early stage! This is for my husbands current account. Will have to do " you have 7 days to provide ALL statements " for his business account only recieved about half, thats when the fun will begin.

Hello Everyone, I've received all my statements, trawled through them and I'm about to enter all the charges into the simple spreadsheet....but. I'm slightly confused as to the wording of the Preliminary letter template. The paragraph that states " What I require. I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX." I have read on various threads and on the FAQs that I should only include the bank charges and not to include any interest on the schedule of charges at this stage. It might just be me but the above paragraph seems to be contradicting what I've already read,. Please could someone explain. Thanks.

Hello, I have read various pages but have a quick question, my husband has a personal and business account with HSBC, for the Data protection act request, can I use the same letter for the two accounts, and pay one cheque for £20 or is it best to send them seperate? The business one is a bit tricky, It was a joint partnership, then went Ltd. for approx one year, then a joint partnership again now sole trader. Does it need both partners to sign letters/ proceed to court etc. The business account, company name and details are the same. Thanks for any advice