Yes, do you want it or were you going to give it to me?! If you want it am i allowed to post it here?

Thank you, am in the process of trying to email everything to my hubby at work so he can then fax it over! So hopefully will get done today!! Thanks!

Thanks for the info lateralus!! Sounds convincing!! Mumofthreeboys, I have read around loads on this before starting it and during the process and I made a decision and a pact with my hubby that we would not be accepting anything thats lower than what we are owed! But we'll cross that bridge when we come to it, if its £200 short you never know!! Thanks for your help! Any ideas what I should write on the letter for DG that will be attached to the list of charges? Wont they wonder how I know that they need these? (the breakdown of charges) Thanks for your help people!! xxx

Okay thank you, ill get them faxed over tomorow! I know it will be tempting to accept if I get a lower offer but Ive told myself I wont! What happens if you say you'll accept it as part payment? Do they give you the money straight away or do they just wait and give you the full amount in one go at a later date?

I hope your right... I keep thinking that we will but I have doubts! I sent a copy to hsbc when i asked for the refund so ill just fax over a copy to DG! Thanks x Any ideas how long this will take? Untill I get the full offer?

Hi there! Ive been reading the boards for a few weeks now and they are fantastic!! So I thought id start my own thread! So, as advised from another site I was told to sent the first letter asking for the charges to be refunded and give them 14 days then to skip the LBA which I have done. I filed the MCOL on the 20th and have a letter saying it has been acknowledge and they intend to defend. My question is I have been advised to fax over the breakdown of charges to DG before being requested to TRY and speed things up abit. What do you think? I have it all ready here to go. We are gonna be struggling to afford xmas this year and I will do anything possible to speed things up. So any ideas would be most appreciated! Also am I jumping the gun here by assuming were gonna win?