r06nda - there was no threat, they said it was closed - simple as that.

I've been offered the full amount and I obviously accepted. I've been sent and allocation questionairre, what should I do with this now the money has been offered?

Have send the letter along the lines of number 3. On the Moneyclaim website I have an option on the judgement column to 'Start' then 'Judgement by Default' or 'Judgement' by admission. Since they submitted a defense I assume i choose the former??

Hey Monkey, Thanks for the help. I think I'll do number 3 , tempted by number 1. Do I send the letter to First Direct or their Solicitors?

I got a letter from DG Solicitors saying HSBC are confident they would win the case though they are willing to pay approx half the money. So now do iI accept the offer but only as part payment of the full amount? They sent a letter to sign to say I agree to the payment - I assume I do not send that? I also got 'Notice that Acknowledgment of Service has been filed', do I need to act on this at all?

Got my notice of claim - fingers crossed.

Thanks mexico, I sent the claim today, as you say in your thread, it is quite scary :s.

I'd really appreciate a little guidance at this stage just before I send the claim.

After much searching I managed to find out what to put on the daily percentage bit at the bottom (I worked it out to be 72p) so do I simply submit this tomorrow?

I'm preparing the claim for issue on the 14/09. I have this as the particulars of the claim, is it ok? What do I put in the % bit at the end? "I have a contract with the defendant bank dated 09/2000 and which is conducted on their standard terms and conditions. I am claiming the return of money taken by the defendant in the way of charges over the last 6 years. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 12/01/2001 to 14/09/2006 of £3,276.00 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}."

I recieved a letter saying they still don't agree with my clain and that all charges are clearly outlined. Also gave a leaflet about ombudsman. Is this a standard reply? So now I wait for the remainder of the 14 days to expire then start the action?

Recieved a letter saying they are sorry to hear i don't like the way they manage my account and will get back to me within ten days. Roll on 14th September.

LBA sent

I got the '[does not agree] charges that have been applied to your account are unlawful', write to Robert Kernaghan letter. Will issue LBA letter on the 31st.

No, they've never mentioned it before, always been happy to just take the fees .

It seems a strange co-incidence that FD have just sent me a letter saying they are closing my bank account with immediate effect because of my overdraft usage.

Prelim letter sent today. My calcs were incorrect - £3276.00.

Got the statements and by my calcs they owe approx £3092, I still have to add this into a spreadsheet. The free statements were worth getting just for the 6 year trip down memory lane.

I sent of for the statements with the £10 cheque, cheque was returned saying they would send by courier FOC.

messym, just do clarify, did you or did you not claim for both overdraft fees?

Hello to you. After ready many of your experiences I decided to give it a go. My request letter is waiting for a cheque for £10 then it will be sent tomorrow. I think it may take a few years off my life, I was feeling nervous and anxious just ready tkcakes story. Hope to update you soon. Thanks.