Hi Rayne, thanks will do, I've been trying all morning to open the excel template to re-do my charges, I'm thinking it may have cell to input the charge type as the mse one doesn't, but it keeps saying server not found so guess I'll have to just copy out the one i've got adding in the charge description. Once my 3 kids give me a break I'll do that.

Thanks for that, yes each item is just named total charges, I'll set about doing the letters now then and get them sent 1st thing tomorrow, thanks again I'll keep you posted. This is a brilliant site!

Hi lateralus, thank you for your reply, I just used the interest calculator on (yes u guessed it) the mse website, and printed it off. I got my list of statements from the online bank just printed them off then set about highlighting all the charges and keying them into the template, which asks after each charge if you want to add interest which i did. Oh and yes I sent 1st and 2nd letters etc but again took all advise from mse coz to be honest took me until today to find the forums on here, don't spend much time on this sort of thing usually, but am getting the hang of it, looks like I'll have a better idea of what to do now I've found some much needed advice.

Hi, this is my 1st post on this forum, have posted once but in wrong place was kindly redirected by jowalshy. I've done the mcol on 15/04/07 I used the template letter on mse website, which didn't prompt to include account numbers, and stupidly I didn't think to include it. Anyway once I realised I spoke to mcol and lady said can't see problem if they need further detail they'll be in touch. Got the acknowledgement today saying that HSBC are defending whole of claim and they have 28 days. I've read a few threads on here infact been reading since about 7 this evening. Looks like next stage is to send letters to court and DG solicitors with full details, should i do this and include my acc number on those, bit worried now. And still not clear about this od interest, is this the interest that you add on when you 1st do the spreadsheet to calculate charges? I used the mse again which works it out for you. Any advice greatly received. Thanks

Hi jowalshy, thanks for reply I'll do that;)

Thefuture Vs HSBC Hi to all, I'm new to this site, been reading a lot on mse but first time here so apologise if i'm butting in on thread, just not sure where i should post this. I've got an Acknowledgement of Service today from court, do I sit back and wait 28 days or are you saying I should now write to DG solicitors with details of claim, I seem to gather that from what I'm reading just need to be sure, was a bit spooked when got letter even though I was expecting it, seems to be so many different ways of handling this not sure which is best, any advise please. Thanks