Too right! More bouncy than tigger at the mo! Jody-you might be lucky and get it in a couple of weeks, but as you can see from my thread they seem to be taking a heck of a lot longer now. Hang in there, you WILL get it in the end. Just a HUGE thank you to everyone who has helped me, and to all the mods and site helpers who are fab, couldn't have done it without you xxx

Check out the forums! They deal with everything on here and are fab! So far they have helped with bank charges, credit card charges, baliff and landlord problems for me.

Well if you don't have an overdraft limit, then your limit is nil, just leave it in. They are sooo bamboozled at the moment they are probably just looking at the amounts and not reading the whole letter Good Luck

mods! look!

WOOOOOOOOOOOOHOOOOOOOOOOOOOO letter offering full amount of £5835.97 just arrived! have emailed MS Daubney with the following: I refer to your letter dated 28 September 2006. I note that you have offered me an ex gratia payment of £5835.97 in relation to the claim that I have issued against your client HSBC. I regret that I am unable to accept this sum in full and final settlement, as I have incurred an additional cost of £100.00, this relates to the Allocation Questionnaire filing fee. A receipt is available at your request. I will accept £5935.97 in full and final settlement of this claim, however I will not agree to any confidentiality conditions. I will accept payment of this sum only by cheque within 7 days of the date of this letter. I also note that you have failed to mention the additional charges that your client has charged to my account since filing this claim, totalling £198.75. I also see that a charge of £25.00 is due to debit my account on 2 October 2006. I appreciate that these charges are not within the scope of my claim, but as you have pointed out, your client is mindful of the cost of management time and unrecoverable legal charges associated with small claims track cases. I would request that reimbursement of these charges be made now, to avoid any further waste of time and resources both for your client and myself. I look forward to hearing from you shortly. Yours faithfully, Comments?

HRA-No, do not tick box Make sure you put the aounts in, plus interest, you may have to re-jig a bit to get it to fit, but it will. Good Luck

What do I do now? Don't want to seem desperate, they might decide to offer a low amount thinking that it will get rid of me. Why meeee? If they don't sort it out soon I will end up having a serious 'Nikki moment'

you know that you can claim back 6 YEARS worth dont you?

Blimey, reply to my prelim letter, asked for 28 days to investigate, friendly tone etc. Very impressed!

AQ filed today, come on Deb, hand over the cash, you know you want to!

Well done to you, showing others how to do it, that's really kind of you. They filed a defence on my claim too, but I have no doubt that they will cough up soon. Keep at it Elizabeth, you doing a fab job for your son

So do I, I have some serious plans for spending!

Hi Paula don't touch that unless they don't acknowledge the claim for 14 days, or don't enter a defence in time. The system wont let you anyway, unless it is time to enter judgment. Good luck

DG have finally confirmed that they have received the letter from the trustees, confirming that they have no interest in the money (so it's all mine mwah ha ha ha haaa). A cheque will be fine, thanks.......

Statements arrived today, prelim letter sent too! quite surprised, thought they had charged me more than that! £195.00, but it will be mine...

Wow, letter from AMEX this morning. 'As a gesture of goodwill, we are preparing your statements free of charge, you should expect to receive them within 10 days' Bit more helpful than HSBC then!

DPA letter sent today! Is it too much to do 3 claims at once I wonder? Can't be any more difficult than HSBC I spose!

OK, DPA letter sent today, off we go!

8% is for when you issue proceedings at court and not before! the interest you can claim now is the debit interest on the charges, but IMHO unless you have a humungous claim it's probably not worth the hassle! Good luck

Thanks AC, DPA letter sent

About to get started on all my smalelr claims as HSBC are nearly ready to pay, can someone give me an address to write to Morgan Stanley please? Ta

No the branch address is fine, mine went there and they are dealing with it

Well done Smel, so what will you spend it on?

You cant, DG Solicitors will ask for a copy shortly. Just be ready to send the details as soon as they ask for them. P.S. DON'T send them before they have acknowledged the claim, you might alert them to a claim they might otherwise miss!

OK panic over. I had a letter from DG Sols asking if my (soon to be ex) husbands bankruptcy trustees are aware of the claim. That arrived on Friday, and I worried about it all weekend. I called the trustees this morning, who couldn't have been more pleasant and helpful, who confirmed that they have no interest in the claim, and will write to DG Solicitors to say so too. Hopefully they will now make an offer in the next couple of days (before I have to shell out £100.00 for the allocation questionnaire). Will keep you all posted.