Hi Trixie, Just wondering how you got on with Kays as I'm just about to send a SAR to them?

I received an AQ from the court this morning, and also a letter from DG offering the FULL amount!! Signed letter, crossing out the confidentiality clause and posted back today.......shopping spree her i come!! Thanks to everyone for all there help and support, and i must say what a fab website this is, and i will definately make a donation as soon as the money clears.

Hi Chewlips, I was in the same situation as you, then yesterday DG entered a defence on MCOL and then this morning I received a letter offering full settlement. So don't panic, I'm sure you'll get a letter from them within a day or two. If they don't enter a defence then you can proceed on MCOL and you win by default. Good luck!

HELP!! I have just check money claim and HSBC have entered a defence. Is this a stalling tactic or am I really going to court? Am starting to feel a little scared!

I was a bit impatient like you so I called up DG on Thursday just to make sure they had received my breakdown of charges (which i faxed to them on the 19th). I had a call back on Friday to say that yes they had received the fax and I should receive a letter from them mid week, which would be a day late as they have till Tuesday to enter a defense or i win. I think they must be snowed under, bu i'm a strong beleiver that 'good things come to those who wait'!! Good luck!!

Am getting V annoyed now!!!! I faxed a copy of charges to DG on Thurs 14th Sept after I received a v brief letter requesting a breakdown or charges.........but still not heard aything back and now i'm getting calls from HSBC's hassling me. I have repeatedly told them i will not discuss anything over the phone and i have refused to confirm my security info so they cannot make any comments on my account to me. It's starting to really get to me, should I phone DG on Monday? I am starting to worry a little bit as i'm now only 12 days away from court!! aaaarrrrrrrrrrrrrgggggggggghhhhhhhhh

Thanks for that sar011279. I'll give it a try!

Just a quick update................ I issued MCOL on the 1st September and HSBC acknowledged the claim on the 6th Septemeber saying that they will defend the claim in full, which hopefully they wont do!! As I have not received any correspondence from DG I am going to send them a fax with a breakdown of the charges. As it has now got to MCOl can I still add on any extra charges/interest charges that have been applied to my account or should i just leave the extra (it's only £15 or so). Any advice would be much appreciated!!

Hi Hengo, and welcome!! I, like you was spurred on to reclaim my charges after I got angry at a £121 charge!! Good luck with your claim

Wow, look's like were on exactly the same time line, I got my acknowledgement today as well Good luck!!

I had an offer within 7 days of sending my LBA as did my friend. So they seem to respond quite quickly. Good luck!

Hi, The interest is different you can add on the ineterst charged as per the spreadsheet, then you add the 8% on when you get to MCOL. Good luck with your claim!

My LBA was sent 17/8/06 and today I received a partial refund letter offering me £1900. I know from reading other threads that this is a standard fob off letter so I will be sending a reply accepting this a partial repayment and letting them know I will still persue them the the rest. One question though, if anyone can help? When I sent my schedule of charge I included the overdraft interest and in the reply they said: My question is: should I still persue the overdraft interest or drop this and just continue with reclaiming the charges? Any suggestions would be muc

I phoned HSBC to ask if they had received my S.A.R - (Subject Access Request), and was promised a call back. They sent a letter to me as they could not get hold of me and when i phoned them back (07/08/06) they said they had no record of receiving it. The following day I received a letter in the post in reply to my S.A.R - (Subject Access Request) dated 07/08/06!!! Good to know that the staff communicate with each other!! They sent me a full set of print outs as requested only to say in the letter that they will send them to me and they will arrive seperately!!?? At least they sent t

I phoned HSBC to ask if they had received my S.A.R - (Subject Access Request), and was promised a call back. They sent a letter to me as they could not get hold of me and when i phoned them back (07/08/06) they said they had no record of receiving it. The following day I received a letter in the post in reply to my S.A.R - (Subject Access Request) dated 07/08/06!!! Good to know that the staff communicate with each other!! They sent me a full set of print outs as requested only to say in the letter that they will send them to me and they will arrive seperately!!?? At least they sent t