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Cheers Mr Shed...

True, but alot of this comes down to law, and contractual situations. I did look at that post before, but I guess everyone has their own situation.

I have been in my flat coming up to one year and my flat mates have been there for 3 years. We have a yearly contract with our landlord and live in a former councill flat in a large block. It comes to pass that even though he increased rent £30 per week last year (I was there 1 month before the annual increase came about as the contract was finishing), this year he's upping it £40 per week. The reason for this huge increase is that the local Housing Association approached him and stated they will pay him that amount extra so they can take control and run it for him (i.e we work all week, find it difficult to pay the increase but the HA decided they will pay over market value so some Jobless on their housing list can take the flat and watch Jeremy Kyle all day... ok not strictly true but y'know...). Now he's asked us to pay the £40 extra per week or move out (he's a nice guy by the way) yet at no time in the 3 years has the flat been improved, and there is alot to improve. If we pay the increase that's a 30% increase in those 3 years with no improvements (once he gave £400 to buy 'things' before I moved in, and I'd be hard pushed to pick them out... oh and he bought me a new bed and matress. Yeah, best not get your beds from Argos folks when they cost £110... bad move). So the question is, is there some way we have a right not to pay that increase due to the lack of improvement to the structure? Or if we must, surely we have a right to improvement in the flat? And is he allowed to increase it that much? So just wondering what our options are... Biggest thanks for any answers and help, Nick

Cheers Gez, top man, mighty fine of you!

I won my charges back last year. Only I miscalculated some spending on my recent holiday and used my debit card 3 times when overdrawn during this period. I'll expect £90 ish of HSBC charges coming my way soon. As I've won before, does anyone know if there is something swifter than the usual templates I can use to claim this back? Cheers, Nick

Won my money back 6 months ago, but this week have been charges £25 for going overdrawn and using my card in that time. Other than going through this claim back process for two months which I'll pass on, can I just ask for it back? Anyone know of a good way to do this?

I have won against the HSBC... all money coming back to me as soon as I sign their form. Only it states 'HSBC does reasonably, require your confirmation that you will treat this payment as confidential.' Well I know some people have wrangled this request out of the final agreement, but I don't care about the confidentuality (not that it will do much for them on here!), though just wondering if it effects me in any other way than what it asks for. Nick

If they don't acknowledge in two weeks of making it, you win by defaut... i think that's the time frame.

Yeah I think the 14 days is for there behalf, it gives them a time frame to respond, not a date for you to specifically kick 'em where it hurts.

Cheers, nice one.

Ok, cool. So I'll palce along the lines on 'claiment (not defendant right? HSBC would be the defendant?) has held an account for so and so, and during this time has been charged unlawfully so and so and for so and so amount, he wishes to claim back thee unfair charges etc etc' Then place in the s.69. I just don't want to add or not put something in which would jeapodise my claim... Nick

Cool, I understand the text which is given my MCOL etc, but it is where you stae 'the particulars'. By this do you mean everything leading up to the page that you need to adjust to your own claim, or is this extra text you need to place in with it. Or to put simply... "The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from the date each charge was applied to 9th June 2006 (ASSUMING YOU'RE ISSUING THE CLAIM TODAY) of £ (DID YOU FILL IN THE SPREADSHEET? THE AMOUNT IT CALCULATED AS INTEREST SHOULD BE ADDED HERE) and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.13p (ASSUMING YOUR CLAIM IS STILL FOR £58" Is this all I would need to put? Cheers, Nick

Cheers, As above the claim is for £588 with tax and £491 without. But what else other than the standard text given by MCOL do I need to put? Nick

Hi People, I've had a mixed responce to my last question on what to place in the text box for Moneyclaim Online. There's the given text which wants you to place in the daily % (which is what?), but what do I also place above that? Its just annoying that at this final stage I've become stuck as to what to state. Can someone give a definitive or indeed a copy of what they placed? For the record I'm owed £491, and with interest it is £588.24. Cheers, NICK