hi! thanks for that! I am back from holiday now.. raring to go! lol I have just rang the court and they have informed me that the defendant has not submitted their papers.. I asked what this meant now and she said it means they have nothing to rely upon in court now, and that i just have to wait till my court date! So! I think I am going to write a letter to DG now and see what happens next! thanks ever so much for your help, and if i should know anything beforehand, please let me know! lol thanks again! xx

well still heard nothing with my claim since i sent all the court bundle etc to court and DG.. I really thought i would have heard from the DG by now with an offer/settlement...... is this normal? My deadline for having all the stuff into court was 2nd April.. my court date is in June.. I am getting really worried now especially after hearing that someone here sent their court bundle off and got a full settlement within a few days.. i am off on holiday on monday for a week.. i am so hoping i have something by then, 30th april is DG's deadline to have all their stuff into the court. anyone else got to this stage with HSBC an d have any advice to offer? thanks!

hello.. i am at the stage so far that i have a court date, have sent off the relevant paperwork ordered by the court to the court and to DG solicitors.. I have been reading that some people added in charges they had had since they started the claim process.. does anyone know if i can write to DG solicitors and request these extra charges to be settled along with my claim amount and inform them that i shall be asking the judge at court date to take these extra charges into consideration also? see if i get away with receiving the extra charges in with my settlement too? Maybe i am pushing it but these extra charges amount to several hundred pounds since i started the whole process from the very beginning and it would be nice to get these back also! Anybody have any advice? thanks very much!

thank you very much mcbirnie! I wish you lots of luck too! I am just sitting waiting.. i have a baby due in august and moving house around that time too.. so am really counting on getting my money!! fingers crossed for us all!

hi! my 6 month tenancy recently ended in feb and in the new one, the rent had been increased by £30. I have not actually paid the increased price yet although i did sign the new tenancy - the reason i am still paying the old rent amount is that i pay the agent by standing order and its not been changed.. i have had nothing saying i have to change it or or a form to fill in or anything and nobody has said anything so i have just left things as they are. Anyway.. i have been reading in detail my tenancy agreement and there is nothing whatsoever in there about rent increases, at the time it increased i asked the agent why, and they said the landlord wanted it increased to keep up to date with other properties in the area. I also asked the landlord and he claimed it was the agent that wanted to put it up.. thats by the by really though.. my question is, can my rent be just put up like that for that reason and without having anything mentioned in the tenancy - also, i have been here a year already and at the end of this six month tenancy it will be 18 months.. nothing has been done to improve the property to warrant the rent being higher.. does this have to be the case for an increase? I know nothing really and would appreciate any advice! many thanks! x

hello! Well I rang the court a day or 2 after the deadline for my paperwork to be in, and they had received it ok.. i know DG received theirs too as i tracked it on royal mail site.. at the time, DG had not sent anything in to the court but i noticed on my order from the court that i had 28 days to send in all what they asked - which i did, and DG had 28 THEREAFTER to send in theirs.. i am presuming they have got 28 days after my deadline which was 2nd April, so they still have a while yet if this is the case. Does anyone recommend anything i should do now, or should i just sit and wait still? I am getting impatient now! lol not heard anything as yet from DG

Well! A massive THANK YOU!!! To all of you that have guided me through this and encouraged me too! Everything was posted off this morning to the solicitors and the court and i am soooooo relieved its all over!!! I didn't realise how stressed i was until i walked out of the post office today and realised i have my time back to myself without having to have my brain fried with all this stuff!!!! So THANKS again to all of you, and watch this space now.. i shall update as soon as i hear anything!! I hope its soon!!! lol Thank you thank you thank you thank you thank you thank you!!!!! :-D xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

hi! thanks very much for that..i have got it now! oooooo i am done now!! just got to put everything in page order now! brilliant! its a huge relief! Thanks to EVERYONE who helped and offered their support! I am so so so grateful! I could not have done this on my own! xxxxxxxxxxxxx

hello! well its all ready! that is apart from the OFT statement summary... the link on the court bundle does not work to take me to it! Am i being stupid or anything? lol Everything else is sorted now.. and i am so grateful for everyone's help.. i could never have done it otherwise! xx

thanks ever so much! I have nearly done now... done my statements done my schedules of charges done statement of evidence printed off court bundle done a letter to go at front explaining what everything is Do i need anything else? correspondance - have i got to include all this? it does not ask for them in directions specifically... the very early letters from hsbc.. i can't remember where i put it :o i have looked all over and no doubt if i carry on and on i will find it.. but to save me any hassle.. would it matter if i didn't put it in? I can put in all my letters i have sent, as i have them all saved on my laptop.. would this be enough? or do i need everything they have sent to me too? Does it include any offers i have had from them? do i need to put them in? oooooo so near yet so far!!! i can see the end of the tunnel in the distance now! lol thanks again! x

Morning! Thank you soooo much for all your help and encouragement.. its very much appreciated! I am a little unsure about which statement of evidence i should use If i type my banks defence.. would someone please beable to let me know which statement it is that i need please? I feel dead stupid.. but i look at them all and i cant see which one i need.. all the legal jargon throws me so much thanks ever so much.. i am so looking forward to all this being gone so i can relax! lol DEFENCE: 1.the claimants account is governed by the defendants personal banking terms and conditions. 2. Pursuant to the defendants terms and condtitions, the defendant is entitled to make a charge for its services as set out in the defendants price list including an overdraft review fee for considering whether to provide and providing an overdraft. 3. The defendant denies that the charges applied to the claimants account amount to penalites at common law and/or unfair contract terms for the purposes of the unfair terms in consumer contracts regulations 1999 (UTCCR's) 4. The charges applied to the claimants account are reasonable and are properly and fully disclosed in the defendants terms and conditions and published price list. The charges represent the contractually agreed price for the services provided and the UTCCRs are not applicable to them. they are not unfair contrary to the UTCCRs. The charges are not default charges and cannot amount to a penalty. Each and every allegation made by the claimant is denied for the reasons set out above. It is denied that the claimant is entitled to the relief claimed or any relief.

Hi! thanks! I did recieve a letter from DG solicitors before i received my court date, and they informed me that they could not pay me certain charges back that i had already had refunded (at times of some charges in past i had rang bank and demanded to have them refunded- which they did - and DG supplied evidence that i had received them back, but the funny thing was... the dates and charges which they were saying i had refunded - i had never actually included in my claim anyway!!!! It amounted to a few hundred quid over 2 accounts.. so my last letter to them was informing them that they had not bothered to compare my breakdown of charges to their dates of any charge refunds i had received! and to check for themselves to see that i had not claimed for any of them! I haven't heard from them since! lol I never had to send for my statements.. i got all my charges info from my online statements going back 6 years.. and i have printed off all the pages which include a charge on them. so that is done.. i am just getting my head round the statement of evidence now.. its so hard to know what to add in yourself - without sounding completely that you don't know what you are talking about! lol i should be completely finished by tomorrow, then i will be popping it all off to dg and the court.. then it is just a case of hoping for the best! Do you think i should contact DG solicitors in the meantime to tell them i will be happy to settle before the court date for the full amount + interest + court cost? or is this not a good idea and shouldi wait? many many thanks for your support.. i am very grateful! x

hi! Sorry about the delay in answering.. i have been so busy trying to get all what i need sorted. My court date is on 12th June the directions say i have got to send all my documents within 28 days of service of the order.. it is dated 5th march, so my time is very nearly up.. and i am still struggling. I have printed off all of the basic court bundle. Do I just send all of that as it is? I don't need to add anything to it or change it do i? I have found this so hard so far. I am struggling with the statement of evidence too... The bits i have to add my own comments too, i just don't know what to put.. if i put something wrong.. will i lose my whole case? I know people say not to panic but i am.. and i can't help it.. i wish now i had just accepted the offer they made to me which was not the full amount but i think i was hasty in being stubborn as i just feel out of my depth now *sob* thanks for all your help so far x

oh thank you so so much both of you... that is just what i needed.. I was so lost! lol the statement of evidence template is just the kind of thing i needed.. to be set out infront of me how to set it out and what to be in it etc.. i didn't know that existed! thanks very much again advoc8!!! Nettyg... thankyou tons too!! I have not managed to have a good look at that yet as i have to go out now.. but i am aiming to spend my evening getting all this done so i can enjoy my weekend without it all at the back of my mind and worrying about it! :o I am so grateful to both of you.. and i am sure i will stumble across something i can't get my head round later, at least i know where to come for help! I will be breathing a sigh of relief when this is all in the postbox and done with! lol Seriously.. you have made me feel much better now!! many many thanks again! xxxxxxxx

hello.... i have received a court date against HSBC.. I have had no problems so far with the whole process - nice and easy printing off letters etc.. the problem is now the directions for my claim from the court.. I am well and truly at a dead end. I have been asked to do 4 things: send schedules of charges etc which is fine, and copies of statements proving the charges were made, which is also no problem.. I just don't understand: 1) Send A statement of evidence of all matters relied upon as tending to show the charges are irrecoverable as penalties or otherwise. 2)Send copies of decided cases and other legal materials to be relied upon. I have already looked at the court bundle shown on here, and its just gone way over my head.. i don't understand exactly what these 2 things i am being asked for means exactly and the things on the court bundle, just seems like a bunch of stuff i don't understand too.. i just don't understand any of it.. am i supposed to just print everything off as it is and send it off? I am so scared that i am going to lose now, as i just don't know what to do. I have come so far and i feel like its all going to be a waste of time.. i just need things simplified - what parts of the bundle apply to each direction i have been sent for my case? I feel like i have lost already. Somebody please help me.. i would be so grateful x