Hi all. I have had a "hold" since what seems like the begining of time ! and have recently had a car accident which has left me out of work, on benefits and with outgings worth more than my income. I am sure that I have a "Hardship" case. I am however confused by who I am actually going to contact initially and what I am going to say. Is it: 1. The bank (HSBC) 2. The bank's solicitors 3. The court. I am also confused about how I will be able to reclaim the £120 court costs (which my Mum lent me) and any interest that i'm sure should be added after all this time. As you can see, I am some what confused....!!!!! Please help Love, Peace, Health and Happiness Curly Steve

Hi Can any one help...?!! Please and Thank you... Steve:confused:

Hi, Now I am even more confused, I sent a letter to the judge asking for the stay to be removed and not heard anything. I have just read about this test case witht the banks and the OFT. What does this mean in stupid persons langauge, will my case be heard or not.....? and if so, then when... Much Thanks Steve:confused:

Thanks Pete, I'll get on to that Cheers

Thank you all once again. I'm struggling to find anymore money. Will it harm my case if I just leave the set aside to run it's course....?

Oh, and how would I know how much the fee is....????

Thanks once again. So should I cut and paste the application for removal onto a letter to the Judge. Also, would I have to leave out the 'in the alternative', because non of these are relevent. Cheers:)

Thanks for that Pete, I have had a look and am sorry to say that I am still unsure what to actually write to the judge, and wont this **** him off...? I'm not too clever with this sort of thing. Thanks in anticipation Steve:confused:

Hi All, I have just received a 'Standard order for stay for settlement with consent of all the parties'. I'm not sure what this means, but surely HSBC have been given plenty of chances to settle. Why should they get more time..? The judge orders that the claim is stayed until 06 August 2007 to enable the parties to attempt settlement. I'm confused....... Anyway, hope you're all well and Thanks again....

Thanks Suzy, Thanks all....! I have sent a letter to the bank declining thier offer and am waiting to hear from Truro court.... Cheers again Steve:)

Thanks again. At the end of the offer letter, it suggests that if I do not respondwithin 10 days, they will take it that i have declined the offer. Do I need to write to them and what do I need to say...? Cheers, Curly

Thanks Russjo, its quite daunting, but comforting to know there's support out there in cyberland....! I've been skint for long enough, a while more wont matter........

My story started a few years ago when HSBC deposited several hundred pounds into my account by mistake. I foolishly spent it and then got a letter saying about the mistake and that I must repay it imediately. I couldnt, so they set up an overdraft for me. this went from bad to worst, so they set up a loan, which I couldnt afford to pay back. so then I had a loan and a overdraft that I couldnt repay. They closed my account and sent my debt to a collection agency. Recently I found out that I could reclaim the charges, so sent them the relevent requests, I didnt hear from them so I started the process of small claims, borrowed the money from my Mum for the court costs. my claim was for £1625.12 including interest, plus £120 costs. HSBC entered a defence and I have just received an offer of £1228.25, which is equal to the charges, minus a small mistaketaht I made of £35.25 for a card recovery fee which they are not willing to refund. They do not accept that the "interest" is appropriate and do not accept responsibility so will not pay the court costs. They have offered to send a cheque to the collection agency to reduce the loan, rather than pay a cheque to me. I have been paying off the debt with the collection agency. I need this money to straighten my spiralling debts and to pay my Mum back. The HMCS money claim online sent the case to wales by mistake, so I am now waiting for it to be sent to cornwall for the next stage. I really am unsure what happens next and how I should carry on...... Please help. I will be more than willing to make a donation to the cause if I finally win this case. I am also trying to get my finances together so I will not fall foul of anything like this in the future. Cheers, Curly Steve

Well, I have been through all the stages of requesting the charges back and am now at the court stage. HSBC have entered a defence and contacted me offering a final settlement without accepting responsibility. Obviously this does not include my costs or interest. I have a debt with them which they say they will reduce rather than give me the money. I have paid out for costs and owe this to my mum.! I would therefore like to go to court to claim back the full amount. I'm not sure what to do now...... Please help cheers Curlysteve