Oh dont worry Steve they dont make me feel intimidated. Particularly when I cashed their cheque last week

Hi Steve Here is the letter they sent me: It lists 3 points: 1. The claimants accounts are governed by the defendants personal and / or business banking terms and conditions. 2. Pursuant to the defendants terms and conditions the defendant is entitled to make a charge for its services as set out in the defendants price list. 3. It is denied that the fees charged for the services provided amount to a penalty or (if it alleged) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the claimant. Hope this makes sense to you cos it doesnt to me! Lol. Sarah

Obviously too late now but why are you wasting your time writing to HSBC to refuse re part offer. Surely now you have filed the MCOL it is between the courts and D G Solicitors. I would ignore any correspondence with HSBC now and just deal with D G until they instruct the bank a conclusion has been reached and it is time to pay out. There is still a timetable the courts have and they have to respond to the full claim to the courts anyway. Maybe wrong but Im sure someone will point it out to me if I am. Sarah

They dragged their heels on everything for me. No responses at all for any letters. Went to court and they defended which gave them even more time and then issued a defence at the same time as offering full refund. I started my claim end of June and it has just been finalised now. Think it is luck of the draw to be honest. Sarah

Hi again Think issued means they have sent it to them but they havent necessarily recieved it yet. Think maybe it is classed as served a few days later. May be too late to alter it. I would speak to DG once they acknowladge it. Unless someone else can come up with some advice??? Sarah

Don't worry it won't matter. I had a different amount on my LBA than my spreadsheet and sent them both off in the same envelope. Shouldve change it but knew I would get to court stage anyway so didnt. I also included an amount unknowingly that had been refunded by the bank so the total didnt match anyway. I receive my cheque within the next few days so it obviously didnt affect it. If you have had contact from D G then just ring them and advise them of the amount it really is - they are very nice to talk to actually. Otherwise if it isnt served yet then just advise the court and they will change it. Sarah

I have a defence which they posted to me and at the same time as confirming they will pay me in full. It lists 3 points: 1. The claimants accounts are governed by the defendants personal and / or business banking terms and conditions. 2. Pursuant to the defendants terms and conditions the defendant is entitled to make a charge for its services as set out in the defendants price list. 3. It is denied that the fees charged for the services provided amount to a penalty or (if it alleged) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the claimant. Hope it makes sense to you as I have no idea. Not that it matters as they are paying my claim anyway. n.b this is obviously from dg solicitors on their behalf. Sarah

But I'm not accepting the claim. Whoah ! No way ! lol Sarah

Right so heres the deal - Ive decided to accept as partial payment but do I send the letter for this or just ignore them as I have filed and their time is up on Friday anyway? Sarah

Rats, knew there was another question. Am I right in saying if they havent settled by 22nd (28 days from claim as they are defending whole claim) or issued their defence that I can issue a judgement? What are they playing at sending letters of partial payment at this late stage? Particularly as it was without prejudice. Dont like the idea but did consider ringing them about this fact. What do you think?

Lots swimming round in my ickle brain this morning. HSBC have until 22nd after defending their claim. They have sent me a letter this morning of the usual mindful of time etc etc blah blah and have offered me £907.88 on a claim of £1032.53. Now bearing in mind I didn't pay any court costs anyway there is £100 appx short. Here is my dilema...... ***If I accept as part payment I know there is approx a week left till I recieve the full amount however could it still be passed onto the Mercantile court with more hassle and more time (not desperate for the cash but would be nice) ? Do they let you know it has been passed on and can it be done at any point of the claim? ***If I accept as part payment will they then request a breakdown (which incidently was issued with the claim form as I went to the court personally but whether or not it was passed on is another thing though) and look into it further? I just wrote down all my charges and a couple were refunded and I didnt take that into account (naughty) so will they realise this and I will end up with around this amount anyway? Anyone know how it works at this stage? Do they ask for a breakdown after an acceptance of part offer or would it have been requested before this was issued? Opinions please. Thanks in advance Sarah N.B I would be glad to accept as partial payment and pursue the whole amount as they wouldnt negotiate very well when I offered to pay them their debt a few weeks ago. Mmmmm shoe on the other foot now?? yay !

This is a standard reply, don't worry and just keep going with your timetable. Sarah

Oooo-er still not heard anything so am now cacking myself as to will I be "the one" they choose to make a test case out of. Have read and re read the details in the sticky and don't think I could cope with all the extra things I would have to do. Gulp! Heres hoping like everyone else it isnt me. Sarah xx

Hi Yes you can add them on to your claim. Sarah

Nope Seems like they are still treating everyones claims differently. I issued on 22/8 and they aacknowladged on 30/8 indicsting their intention to defend all of the claim and I still havent heard anything. Did they just acknowladge yours of defend it too? Does it mean you have the further £100 and another form to fil out if they defend the claim does anyone know? Well done on your win and have a good holiday. Sarah