Hi This is my first post so please bear with me and apologies if I make a mess of it! I also sent the relevant letter to First Direct ages ago (just after a hold was put on the reclaim of charges) and I have nt done anything since as I didnt know I could! Am I right in thinking that I can ask for the hold to be lifted? Is this the same as 'the stay'? sorry to be a bit thick ! I would be very nervous to have to go to court in case I said the wrong thing. Is there any feedback from people who have been and succeeded so that I could know how daunting it would be? thanks Sue Great news! Like you, I sent in an order to have the stay removed and have just got back a hearing date set for 29th Nov. My case is against First Direct (HSBC). Think it's a bit poor that I originally had a date set for 3rd Sept and then the stay was applied by the court. Paid £65 for an order to get it lifted and now have a date for a hearing re the stay 3 months away. If that is successful I will probably get a final hearing date xx months after that which may not be any earlier than if I'd just accepted the stay and waited for some decision on the test case. Sorry for whining!! I'll keep on eye yours now cos the advice and help is excellent and it will certainly help me along