they wont lump the two things together, they will be seperate and itemised, on my bank statements it said either charge, or total charges, etc, out of interest how much was the dr withdrawn for?

if you have any questions regarding the process, it would be better to start your own thread, as it makes it a lot easier for others to follow, and offer advice aswell as for yourself to find again

its quite common for hsbc to waive the dpa request fee, and it can take up to the 40 days in a lot of cases

no need to worry as long as you follow the steps properly you'll be fine

you could try giving the solicitors a ring to see whats going on

sounds fine, but if you're addressing it to alan pretty i dont think hed be too happy that you didnt know what sex he was :grin: " Dear Sir/Madam "

email it to me and ill give it the once over if you like

well the possibility of account closure is a real one even if you only make one claim, but the bank is a business at the end of the day and they arent going to want to continue paying out for charges so they may well close you account if you persist in accruing charges and then reclaiming them (i'm not condoning the bank), my advice is if both accounts total up to less than £5k then go for it together, but make sure you set up a parachute account first just in case

yes, but dont forget you can only claim back the interest that you had to pay on the charges that were in your overdraft, and not the whole sum of the o/d interest

sounds fine but drop the first paragraph, also what does this regard? "Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department." if its to do with the findings from the oft enquiry into consumer credit cards, then it really isnt applicable in this case, as that was merely a guideline to credit card companies and not to the banks

is the £163.75 the 8% apr interest , or the overdraft interest?, only asking as it seems a bit on the low side, unless of-course you incurred all the charges within the last 18 months

14 days straight no breaks i would initiate the 14 days from when you knew that they had the letter delivered

if that is the case you could do several claims (non concurrently of course) say one for each year, that way the individual claim amount should be below the threshold amount for small claims track, and eventually you should get all that is owed to you

there is a spreadsheet for calculating the interest in the library section, whats done is done now, best not to mull over it

received confirmation from the courts today that the bank does indeed intend to defend the entire claim, pff , bring it on

fantastic news, congratulations

you may get lucky as some of the "lower" claim amounts have had 90% offers just from the initial 2 letters alone

dont worry you will be fine, they cant do anythin to you now , esp as you have your parachute account sorted

keep us informed, and anything you're not sure of, just ask (provided its not very obvious in the faq section)

fantastic news, bet you were getting more than a bit nervous there

yep get it fired in straight away, not long till you get your money now, hold fast ;-)

nope you dont, just make sure you use the preliminary approach for repayment letter that is in the library as this has the neccesary wording for the counter to the banks main defence

if you were defaulted by the bank you would almost certainly know about it, as you would have received many letters from the bank regarding the issue, a quick way to check is to look at your credit report online at www.experian.com if you have been defaulted you really do need to make sure that the charges that were imposed actually had the effect of causing you to be defaulted, i.e without the charges would you have been able to maintain the account correctly?, and if so, you do need to ask for the default to be removed properly along with the reimbursement of the charges in your preliminary letter and any subsequent letters

the dpa request is for people to obtain their old statements so they can calculate how much money they are owed, however, you already know this figure, so the dpa request isnt required, just make sure that you ust the complete template letter and just make the alteration to it regarding the breakdown of charges, remove this line as you dont need to send it yet

personally if you're daughter is prepared to do that for you , then it would make things much easier for you, for one you will be in the driving seat for reclaiming your charges and you wont have to worry about an external debt collection agency either, the bank wont be able to dissuade you from getting your money back as they would have no hold over you