Not as happy as I am . Thank you SOOO much for all your answers, you all have been GREAT help (Esp. Lateralus). I plan on buying a new T.V and doing my driving leasons - and also making a donation to this site . Thanks again everyone ! :-D (can you tell im happy - hehe :grin: )

Just got a FULL offer from DG Solisitors for a total of £1022.58 , just one final question - in the letter it says I got to keep the payment confidential, should I sign it and send it away? or can I cross out that and then send it away? How long should it take for my money to be in my bank now? yeah I know thats 2 questions!!!

i 2 have got a offer 2day, and are asking me 2 keep shush about it. im also waiting for this answer

Ask for a cheque or see them in court

Dont worry! seriously tho if you are that worried then DONT claim. There is always a chance that the MIGHT defend it court. but just remember - They ARE IN THE WRONG. why would they pay out if it was all legal? And the banks have not taken ANYONE to court yet

Just one more question, and then I promise to leave you alone haha!. whats do I put at the very end of the AQ where t says "If a solicitor is acting....Blah blah blah"? should I leave this blank as I dont have a Solicitor? thank you

Thanks Alot

My AQ date s the 16th of January, Yes I have sent DG a breakdown of charges but have not heard ANYTHING AT ALL from them, I havnt rang them either, would this help if i did? Thanks for the info, but im a little confused about the court costs! My claim is for around £1000 -would I have to pay anymore court costs?

Decided to sit down and do my AQ tonigh!, had a quick look around on this site but cnt find any help. Does anyne know where I can find any? Thanks alot

HAHA - i went into my local HSBC today and this guy who works there was like - "Hi, havnt seen you in years, last time I seen you you was this big (waves his hand about a meter off the floor). how old are you now?" I wounder if they know and are just being EXTRA nice :grin: :grin: - i've never even seen him before

You sure can, there just stalling tatics, and also trying to get you scared so you back out!. stick with it 8)

from what I have read, everyones gets defended - they are trying to scare you into either giving up, or excepting there first offer. they have just offered me half, and I would have excepted it but its gone too far now and I hae added interest .. All I got to do now s sit back and wait!

Yeah all clear now lol - thanks alot. that was the only one I throught it could be, but on my statements it also had ATM £1.50 - which i throught could be a ATM charge HAHA . thanks for all the advice, really apreciate it

Its from HSBC! im abit worrid about this paragraph claimed for £771.75 - offered £690 "We are not prepared to refund your ATM charges as those charges are imposed by other service poviders in releation to you using their ATM machines". this is a list of my charges - which are ATM services??? 01 Feb 2003 - Total Charges = £18.00 01 April 2003 - Total Charges = £72.00 01 Jun 2003 - Total Charges = £72.00 02 July 2003 - Total Charges = £36.00 01 Aug 2003 - Total Charges = £36.00 01 Sept 2003 - Total Charges = £36.00 01 Nov 2003 - Total Charges = £36.00 02 Dec 2003 – Total Charges = £72.00 01 Jan 2004 – Total Charges = £36.00 01 Feb 2004 – Total Charges = £54.00 03 March 2004 – Total Charges = £54.00 01 April 2004 – Total Charges = £54.00 02 May 2004 – Total Charges = £18.00 18 May 2004 – Total Charges = £36.00 22 Jun 2004 – Charges = £10.00 16 Jul 2004 – Charges = £1.75 31 Aug 2004 – Charges = £30.00 01 Nov 2004 – Charges = £30.00 01 Aug 2005 – Charges = £10.00 02 Mar 2006 – Charges = £10.00 02 Nov 2006 – Total Charges = £50.00 Total Charges = £771.75

just got a letter today offering me £690 from 771.75. what im going to do is accept the offer, but only as part payment, am I right in thinking that if I do this I will get £690 in a week?? . forgot to mention that im now pursuing £1000 after ive added interest

lol yeah AQ !! oops. Thanks for the Info!

Im getting a little worried now, so any help will be really apreacted. I have sent all the letters to my bank and have not got 1 respose back - not even a automated response :-| . I have now filed my MCOL which is now !Acknowledged(01/12/2006)! they have 28days to reply! when do I do my QA and also when do I send my Updated spreadsheets off? thanks for any help

just finished my MCOL :o - nows the time I get scared LOL !!. When do I send my spredsheet with updated charges to the courts/bank??? had a notice of issue sent to me, saying the have till the 18th to reply! thanks in advance

I was sitting behind my door today waiting for the postman to come! as today is the last day for HSBC to contact me!. I got 1 letter - my pin for my "parachute" account haha . Should I file my MCOL now (I have the money and off work today) or wait till tomoz ???? . Thanks

well, HSBC didnt respond to my first prelim letter (what a surprise), so I sent my LBA last week and they have till tuesday to reply. I have not heard of them yet and read on here that a helpful reminder by e-message could speed things up a gear!. Got this e-message back today "Dear Mr Phillips Thank you for your e-message dated 23 November 2006. I note from our records that the relevant department is currently probing into your concerns regarding charges levied to your account over the last 6 years. Please be assured that my colleagues will contact you with a full response once their investigation is completed. They will be in touch shortly. Yours sincerely Heidi Daniels Manager Customer Credit Services" they only have 2working days left .any one heard of "heidi" befour?

ok, thanks... I have just checked all my statements and now have a total of £814 of charges . should I still send them the DPA letter asking for my statements? or should I just send the next one? :grin: Thanks everyone - your great help

Thanks for the welcome, should I wait for the statements by post, or could I just as easliy use the ones that are online?

I am just about to send my DPA letter asking for my statements, to HSBC bank. Wish me Luck, I can remember a few years ago - they let me go about £300 overdrawn (I didnt have a overdraft) and my wages only just covered it, which ment I was over again by the end of the month. I asked for a overdraft and they REFUSED - and was charging me about £70 a month for about 4 months .... Lets hope I can claim it back