Hi Hope I'm in the right place, quite new to all this. I was very fortunate chasing HSBC and only reached 2nd letter stage and refund received - not so with the lovely Abbey. Process began back in February, received the statements in May (!) and sent letter 1, usual acknowledgement blah,blah, sent 2nd letter after 2 weeks and have today received a simple "no" not unfair, charges stand etc etc. This account has been closed since 2004 so I wonder if that is why they are so flippant? Anyway what next do I write to them again telling them I plan to file claim or just go ahead and do it?? Plus what is the upfront fee? Many thanks for any advice.

hello again have I posted in the wrong place? anyone able to offer advice??

Hi all I'm new to this, though have been looking around the site for a while my dilemma is as follows; I'm currently beginning (1st payment due 1st March) DMP with cccs all my debts (1 loan 1cc + od) with HSBC. I have prepared a schedule of charges and letter to reclaim my charges of £2101.50 from HSBC, if successful I'm happy for this to be paid into the current account 'cause it will clear the o/d + leave £500 ish to throw at the other 2. My hesitation to send it is because as far as I am aware they have not yet accepted the DMP (kept them fully informed and sent good will payments for this month - this is the first month I defaulted)!! MY MAIN CONCERN IS, IN VIEW OF THE FACT THAT CCCS WILL ASK THEM, ON MY BEHALF, TO FREEZE ALL INTEREST, (the loan balance includes the interest anyway and that will still be fully repaid via the dmp - but it will affect the cc - I'm not making a claim against that!) WOULD THIS UPSET HSBC FURTHER AND MEAN THEY MAY NOT ACCEPT MY DMP AT ALL!! IS THIS UNETHICAL (don't know if thats a real word??) OF ME?? Sorry for the long - confusing (!!) post! ANY ADVICE WARMLY APPRECIATED!!!