My MCOL has been acknowledged on 23/10, so I guess it's a waiting game to see what happens in the next 28 days. At least this will be over soon, one way or another. ____ HSBC claim for £846.50 (total charges + 8% interest + MCOL costs) 12/09/06 - Prelim letter and schedule of charges sent to HSBC 27/09/06 - Letter before action and schedule of charges sent 17/10/06 - MCOL issued - acknowledged 23/10

Thanks Kaz, think I will just leave the MCOL to do the talking as you suggest. Do I need to send my schedule of charges to anyone now? I'm sure I read somewhere that I need to send it after completing MCOL but can't remember where I read this and can't find the info again! Thanks Hengo

They speak! I received a letter today offering me £600. The letter had the wrong address on it so has been to someone else's house before being re-posted and finding its way to me!! What a joke, how have they managed to get my address wrong?? I would have turned it down anyway but have completed my MCOL for £846.50 so guess I don't have to do anything about this letter? Feels good to have had an offer anyway.

Time’s up HSBC, I gave them more than 14 days to reply to my LBA and still not heard anything at all. So, I’ve just filled in the MCOL form and paid my fees so my claim has been submitted (which now includes another £125 charge by HSBC and of course the extra 8% added to the total). A little bit nervous about it all – let’s see what happens next. Wish me luck. ____ HSBC claim for £846.50 (total charges + 8% interest + MCOL costs) 12/09/06 - Prelim letter and schedule of charges sent to HSBC 27/09/06 - Letter before action and schedule of charges sent 17/10/06 - MCOL issued

Well, I’ve heard nothing back from HSBC since my prelim letter but wasn’t really expecting to anyway. So… on with step two, I’ve just typed my LBA and am taking it to the post office tomorrow. Despite asking them not to, HSBC did take the £125 charge from me earlier this month (surprise, surprise) and have since taken a further £60 as the £125 charge put me overdrawn, so my claim is now up to £670. Wonder if I’ll hear anything back this time round… ____ HSBC claim for £670.00 12/09/06 - Prelim letter and schedule of charges sent to HSBC 27/09/06 - Letter before action

Hi all Have been looking at this brilliant site for a couple of weeks and have finally got round to sorting my claim out. I have opened another bank account (new account details etc received in the post today) and spent yesterday printing off my online statements and adding up the charges HSBC have taken from me. HSBC have been charging me penalties for the last 3 years and it adds up to £485.00, although they are due to charge me another £125 on 17/9/06 so it will rise to £610.00 when they take that. I’m so angry with them (they were so unhelpful when I tried calling about the