I have received a CCA from HSBC dated 05/2005 Does not appear enforceable to me but would appreciate another set of eyes Also guessing it is a copy from microfilm or computer not from a physical agreement

I'm new to this site and came across it whilst trying to see what else I could do about what I see as extreme unfairness from HSBC. I have been their client for the last 9 1/2 years. I had also had an account at a young age with the old Midland bank. Through online banking I saw they were doing this amazing personal loan at 3.9% APR. Since I have a credit card with them which I must admit I am paying a very high rate (increased from 18.9% to 21.1% or around that - unsure of amounts) I thought I'd take a loan and clear off the card plus take a holiday since their low APR is for loans from £7k to £15k. I was looking at borrowing £8k during 36 months. So I was brave and applied for it online. It told me I had to contact the bank by telephone. I did. After asking me a few question (eg. what the loan was for) they said it had been approved but the rate was 9.9% APR. I queried it and was told that that was it. I asked if they could put it in writing and was told no. Seems they can only put in writing if I had accepted the offer. Anyway... I went to my local branch and asked who I could complain to and explained the situation. I was told to join experian or equifax. I joined experian and my credit score was showing as excellent at 965. The only downside on it was a credit score check by HSBC which meant when they checked it was even higher. My only debt is to HSBC and is that c/card. I have never missed a payment on anything nor with anyone. Seeing that the loan is to clear the card then that would vanish from the account anyway. After checking with Experian I tried applying again and was told to contact them again. I decided to email them. Found a customer care team email address. Emailed them. Had no reply for a couple of days so sent them a message on online banking asking why no reply. Was told that they "never received said message". Asked me to email again which I did and had an email confirming receipt but no other reply so far. I have also sent a complaint to the financial ombudsman. Just saw on the forum they don't see to be as helpful as I first thought. I keep being told by HSBC that the APR they offer is due to "several factors". All I want to be told is "this is the main reason why we offer a higher rate" or "if you change this then we can revise the offer". Just feels like they are offering the higher APR as then I won't be paying the ridiculous interest I'm currently paying (around £55-£60 per month just interest). It feels like they are saying that since they will not get as much from me then they will charge me more. Without me asking they increased my c/card limit to £6.5k. For them to do that they know I will repay that amount and likely a high interest amount. If they are confortable enough to do that then why charge me such a higher rate? Are they misleading customers? I had another friend who has no debt at all and applied and had the same answer as me. Is there any way they can actually prove they have offered this rate in good faith? It truly doesn't feel like it. It feels like they refuse to discuss the subject and suggest any positive solution to what I'm querying. I am currently waiting a response from the customer care team and from the Financial ombudsman but seems like I shouldn't hold my breath. If there any place I can complain if I truly feel they are misleading customers? It feels they hold out a sign saying an excellent deal here but then it's all fake. I'm sorry it is such a long post but am truly at a loss on what else to do. I'd appreciate any help or advice if possible. Thank you

Can anyone help? I have some large credit card debts on about 5 cards. I have sent a standard letter asking for a copy of the CCA and had replies back but some seem a bit dodgy. I'm no expert sp I joined the forum to see if there is any help here for me. Do I tell them that I dont think they have complied with what I asked for and put the account in dispute and pay the £10 for the SAR? Are they legally entitled to chase me for payments while the account is in dispute? I can post documents if anyone wants to have a look. Cheers

I am completely shocked to log into the forum and find that no-one has posted a thread or is discussing events now having been made so public around the HSBC scandal. This is a huge issue which effects us all. So why is no-one talking about it? DJ

Hi, I recently requested a CCA from HSBC for my credit card. They answered with "I regret the bank is unable to act upon your instructions for documents under Section 78 of the Consumer Credit Act 1974 for the following reason. .Missing signature " I thought i had read on a different thread that i did not need to sign it? Advice please

I was shocked to see when I logged into the HSBC forum that no-one was talking about the recently publicised details of the HSBC scandal and HMRC's handling of it. Then I though maybe it is being discussed in here. But no. This is a huge issue that effects us all, is no-one interested? DJ

Ok, A few months ago while i was tying up my other two claims, I checked the paperwork for this pre 2007 credit card with HSBC. Sadly not enough charges to make a reclaim worthwhile. However something always niggled me. HSBC Via metropolitan offered a 40% discount previously. I thought something had to be wrong with it. I checked the material from the SAR and could not spot something. So I did CCA request. 2 months go by and today it arrived. Their interpretation of a recon includes. A generic T+Cs booklet "at time of signing" A Blank application form with no details A +T+C of variation A updated T+C booklet A Credit card request form with name and one of my previous addresses. Somehow HSBC married me off and neglected to inform me as according to this sheet I am now married!!!! 2 statements ftom the last 2 months. More interesting in the letter was the following "With regard to the Signed Application form that you made a request for, we have conducted a reasonable search, and at the time of the request, the document could not be located. It was in our control but is no longer in our possession. Therefore I have enclosed a reconstituted copy along with two certified statements duly stamped and signed for your records validating any debt outstanding. NB HSBC still own this debt. Being paid £1 a month. So thoughts and comments?

I have received 3 claims for MKDP llp. I will post them up separately. I really need some help with this and I am terribly worried about it. I have no idea what I am doing, but I must defend this fully. Any help would be appreciated greatly. Name of the Claimant - MKDP llp originally HSBC Date of issue 24/07/2014 Date of issue 24/07/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = 11/08/2014 + 14 days to submit defence = 25/08/2014 (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims the sum of £1xxx being monies due from the defendants to HSBC bank plc under a bank account facility regulated buy the consumer credit act 1974 and assigned to the claimant on 08/12/2011. The defendant account number was xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendants has failed to make payment as required by the statutory default notice served by HSBC Bank plc. Tha claimant has complied, as far as is nessarary, with the pre-action conduct practice direction. What is the value of the claim? 1200 Is the claim for a current or credit/loan account or mobile phone account? Bank account When did you enter into the original agreement before or after 2007? 29/11/2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchased from HSBC by MKDP llp 08/12/2011 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Cant remember, but the apparent default date is 13/08/2009 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Ill health, loss of job, low income. Was there a dispute with the original creditor that remains unresolved? HSBC we unhelpful and basically said there was nothing that could be done. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Attempted to, they said I could not afford to.

I’d appreciate some help and advice on my position here if possible. I recently moved house and at the same time changed my mortgage arrangements. At this time I had a HSBC mortgage and then took a new HSBC mortgage for the new property, with the old mortgage being settled as a result. HSBC has charged me an early repayment fee on the original mortgage citing their Ts & Cs. Initially I raised a complaint about this over the phone to which I received a response in writing. Subsequent to this I have tried to enter into a correspondence with them asking them to answer 2 questions which are the basis of my complaint. They responded to this letter by referring back to their original response and not answering me and referring me to the ombudsman. I’m feeling pretty aggrieved having personally been a HSBC customer for 19+ years, having x3 current accounts, a credit card and most recently a mortgage (with the all accounts are in good credit) – also not least of all their dismissal of my last correspondence which is not least of all very rude and poor customer service. I would like to some help & advice on my position if possible on the following 2 points: 1) 1) The original Ts & Cs state that if I redeem the mortgage within the specified period then early repayment fees are applicable unless I take a new HSBC mortgage for the same amount, term and rate. It also seems to imply that the new mortgage should be the same product type (i.e. fixed, discounted) but to me it does not 100% read this way. My new mortgage is technically a higher amount, longer term, higher rate but a different product. Is there any movement on the Ts & Cs or how can I challenge this. 2) During the mortgage application process (online) there was no alert or warning to advise of the possible charge being applied if I did not select a similar product (even utility and other service providers would do this). Post application I received a letter stating that the original mortgage had received a redemption request from the new mortgage and that the amount was satisfactory to cover the balance. The balance of the account was stated with no fees included and no warning of a possible charge for early repayment. 2) 2) Lastly, during the conveyancing process, the solicitors acting for me were sent a redemption statement. This statement was not sent to me by HSBC nor shared with me by the solicitors – the solicitors provided me a completion statement which showed the net figure to redeem the mortgage but not an itemisation as sent to them by HSBC. My questions here is should HSBC have alerted me to the possible charges and provided me directly the itemisation of the redemption including the fees and as such how can I challenge this? As a note I had another mortgage with the Newbury before moving to HSBC and they provided both me and the solicitor with a redemption statement. Any help and advices would be greatly appreciated Merv

I was after some old Midland Bank missing statements and Credit Card details so I sent an Subject Access Request to Head Office in Canary Wharf, London. Can someone advise if that was the correct address ? Also has anyone else had any luck receiving anything from the early 90's ? I know it's a long-shot but could help me out big-time with some old loan accounts. Cheers Baz

Firstly, sorry if this is posted in the wrong section of the forum. I got a letter a few days ago informing me that my account was being switched from Metropolitan Collection Services to HSBC Repayment services as from 01 December. I was told to continue with any arrangement I have on my account. Fair enough, but, the agreement I have expires this month (November). Also, as I have a repayment card for use at the Post Office, will this cause problems? Who (or what) is this new company? I can't seem to find much info on them either on here or via Google, they seem to be based in a PO box in Coventry. Is this anything to worry about, am I about to be snowed under with yet more pointless letters that just keep going round and round? Or is it a simple re-branding? Thanks for reading, I look forward to your replies.

Hi, I have a CCJ which was for overdraft fees with HSBC. The amount was about £3000. They won the case and a £50 per month payment was agreed with the court which I have been paying regularly. The amount outstanding is now down to about £1500. I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more. The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this. My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment. I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month. Is the F7F offer likely to be at a significant discount? Is there a good way of approaching them about it? Thanks, Sue

A few years ago DG Solicitors took me to court and got a CCJ against me and also got a charging order against the house. In October '14 I cleared the debt. DG sent me a Notice of Satisfaction. Do I now have to do something, or will DG Sols update the court / Land Registry? A second problem is that the Notice of Satisfaction is incomplete. A sentence says "We confirm final payment of the above account was received on ." but has the date missing. I have asked DG to correct this, but I haven't received a new notice yet. So, if I have to do something for the court/land registry, will this certificate be acceptable? The CCJ still appears on my Noddle report, though the bank account the debt was associated with has dropped off. Thanks, Sue

Hello, firstly, I've messed up big time, though circumstances and ilness I'm in a predicament. I had some bank charges from HSBC. About £2000. I didn't deal with it and it went to court and they got judement against me. They then put a charge against my house and now I have had a letter from the court saying that unless I pay the now £3250 they will send the bailiffs. Which will add more to the debt. I'm not in a position to pay the whole lot, but I can pay a few hundred, maybe more. Please can someone suggest the route to take and help me write letters. Thank you, Desperate Sue

Hello I was wondering if anyone could help me, I recently applied for a mortgage with HSBC and was approved. Subsequently I have now completed the purchased but noticed that the mortgage has appeared on credit file and is being update (status) monthly like a credit card (0's). I asked around on other forums (sorry) and most replied to say that mortgages are considered as secure lending and not like a credit card and therefore should not recorded monthly rather just registered under additional address / linked address. I have spoken with HSBC who don't really have a clue about why it has appeared like this on my credit file? Can this be removed? and the positives and negative of actioning something like this? I would be grateful if someone could clarify the issue for me? Thanks

Hello, Please could somebody help. I'm new to CAG. I'm retired now, but had a loan, credit card and flexiloan with HSBC for a long time. Received a letter from them telling me I had protection on them all, although I didn't realise this. I made a claim for PPI for all 3. I was told Personal Loan claim accepted and offer has been made but flexiloan protection claim and credit card protection claim have been declined. The reason given for declining the flexiloan was 'premiums paid in respect of plan have appeared on your bank statements where there has been an outstanding balance, throughout the period your policy has been in force'. Reason for declining the card protection was the same, even though they said they can't find original documentation. Is this fair/right? I didn't realise that I had it and certainly didn't ask for it as I had good sickpay from my employer when I worked. I would be very grateful for any advice/help. Thank you. Brian.

Hi all, In brief... I had a First Direct a/c from years back. Reclaimed £100s on O/D and bank charges about 7 years ago. The amount that is overdrawn is exactly what I owe, no other charges like PPI. The account has been on a DMP for some years. Now I'm going it alone. It had been moved to MCS, and payments made through DMP until 3 months ago. Now they wrote to me and said the account has been passed from MCS back to "HSBC Repayment Services" My thoughts on action are this: --- No point in CCA (bank account), and still with original creditor (HSBC=First Direct, right?) --- No charges to claim back, I've already done that some time ago. There is interest accumulating - not every creditor has to freeze the amount owed as far as I know. the interest is only pennies really, as the overall debt is around £400 --- So make a full and final settlement offer? Threads I've read here suggest start neg at 15% of total debt Last I heard from MCS was that they offered *me* a settlement figure in March 2014 of a 15% *reduction*, i.e to pay 85% of the amount owed.... any advice on this? Shall I go for an adapted letter from the template area on this site and neg with HSBC? Thanks in advance

Background: In 2003 I took out a credit card with HSBC (who I held a current account with). This had a credit limit of £200, which subsequently increased to £500, then £800. In 2007 I defaulted on the card. This default shows up on two separate occasions (more on that later) as 2008. I had been querying with HSBC how the amount owed had increased to £1700+, and had not received any answers. I (perhaps foolishly) then left this. In 2012 I wrote to HSBC, quoted the card number, and stated that I believed the matter was not resolved, and that I would like to resolve it, as I was worried about any adverse effect on my credit history. This letter received no reply, I followed it up with an additional letter a couple of months later. Neither letter acknowledged any debt or offered any payment plan; both referred to my concern over how the figure had been reached. While this was going on, I was receiving phone calls from what I believed to be various companies (Keynes, MKRR, Compello, MKDP etc etc) asking for personal details, which I always refused. It subsequently appears the alleged debt was purchased by MKDP LLP, and they were pursuing. In 2014 I obtained a cred it report from Equifax, Callcredit, and Experian, as I was looking at obtaining a mortgage. There were a number of inaccuracies, but relevant to this was a CCJ obtained at an old address, by MKDP LLP, for £1796. I applied to the court to have judgement set aside, and this was granted on the basis that I had been a continual HSBC client, so they should have had my correct address. There was a condition that I filed a defence with the court by the 12th January. The default date on the HSBC entry on my credit report (I've got some historical ones) is shown as 10/05/2008. The default date on the MKDP entry is shown as 15/10/2008. Neither show on my current credit report. The CCJ has now disappeared from my credit report. Question I have always disputed this debt. Court action was commenced before the debt became statute barred (if you count the default date in 2008 as the cause of action, rather than the date I stopped making payments etc). What should I do? A solicitor friend of a friend has suggested I 'Put MKDP to proof', and has implied that they may not pursue this any further - I however think they will. How do I go about putting them to proof, and what should I ask for? I'm all ready to send some faxes today (I've found this a pretty effective method of instant communication), so I would appreciate: 1. Knowing what information to ask MKDP LLP for 2. Some help drafting my defence Any support gratefully received. Jim

Hi... .new member.. ..I have spent some considerable time looking at Consumer Forum and have followed various threads and used the advice posted to write to Sainsburys Bank, Halifax bank, HSBC, Barclaycard, asking for CCA I enclosed the postal order for £1, my letters dated 25th January 2009. to date no reply apart from a Formal Notice from Halifax. I get the feeling I should have started a thread back in January and followed advice from the begining. However I hope it is not to late to ask what is the next step that I should take as I am keen to find out if the CCAs are unenforcable..... .....HELP

I recently wrote to Hsbc to reclaim all my bank charges for the past 6 years and I got a letter from them requesting income and expenditure in other to consider for financial hardship. How do i go about this ? Will I have to prove to that I had gone through the hardship from when they have incurred the charges (6yrs ago) or does it have to be presently ? They advised that I call them within two weeks of the letter to provide my income n exp. I would appreciate your urgent reply .

Need some help on this one as I have done lots of searching and can not find a case that is similar to mine so would appreciate some guidance. Brief Summary: 29/04/2011 - I defaulted on a HSBC Current account overdraught with an outstanding balance of £1780.09 (which was mostly my own debt and not made up of charges/interest) 16/04/2012 - after being pursued for the debt for months (with no acknowledgement from myself) I was offered a reduced settlement figure of £1,068.05 (60% of original balance) from Westcot Credit Services LTD at which point I decided I had enough of burying my head in the sand and I coughed up and paid via their website in full. This payment is the only contact I have had with any DC at all. 29/01/2013 - I start receiving letters from MKDP/Raven/Compello demanding payment for £712.04 which just so happens to be the difference between the original balance and the reduced settlement figure. I ignore these letters because I believed they were just trying to spoof me into paying more money. As far as I am concerned I have acknowledged the debt (with Westcot) and paid in full and final settlement to close the account. The Default on my CR also changed from HSBC to MKDP a few months after this. 16/04/2014 - To my horror a Claim From from Northhampton CCBC landed on my door step the morning claiming payment of £712.04 + £55 costs. The claim form is dated 11/04/2014 I intend to dispute the whole claim on the basis that I have already settled this debt with a previous claimant and they are essentially, and wrongfully pursuing a debt that does not exist and that they have no claim to. The main issue I have is that due to a recent house move I no longer have any of the letters from Westcot or MKDP etc. In particular I can't find the original letter offering the reduced settlement offer from Westcot. I do have receipt for the payment however. I also need help in wording a suitable defence, taking into account the above as I have no idea where to start. Your help is very much appreciated.

Where do I start... There is a Current account in my name dating back to the very late 90's when I was a student. I had many accounts during university, taking advantage of the many overdraft facilities on offer at the various banks. Hand on heart, is this account mine? I honestly don't know. At one stage the debt of circa £3k was being managed by Apex Credit Management. I was young, naïve, conscious of credit reports as I was in the process of buying my first house, and so I relented and started a payment plan with Apex in say 2003 to 2008, the debt now stands at £2.6k. As I became a little more clued up, not as much as you all on here, I asked Apex to prove the debt was mine as they had bullied me in to paying. I sent off the £1 fee and nothing came back. The debt recovery was eventually stopped, and the account reverted back to HSBC. Earlier this year HSBC contacted me via letter and said the account was being dealt with by Lowells, then Hamptons (I think), and when I pressed for proof that the account was mine, HSBC quoted the 'statute of Limitations Act' saying they do not keep records beyond 6years, furthermore, my time to dispute the matter with the Financial Ombudsman had expired as their letter of this year was over 6mts old, coincidently, Lowells letter to me was the day after the 6month time limit had expired. Do I have to pay this debt? Will it show on my credit report? Any advice would be welcome.

I've had a recent experience and would like some advice please. I had a debt with HSBC bank which covered two separate accounts. I received a number of letters from a firm of solicitors in Birmingham with all sorts of threats and finally there were two CCJ's issued against me. I finally had some money and sent them a cheque with a covering letter. The cheque was for 5750 against a total debt of around 9k and sent an accompanying letter which stated very clearly that the offer was as full and final settlement on all accounts held with HSBC and the solicitors. The cheque was cashed After a period of a few months, I then received a letter saying that I still owed money and when was I going to pay? I wrote to them, with a copy of the letter saying full and final settlement, they now are refusing to accept the letter ever existed and, strangely, they have no letter that was sent with the cheque. They are now threatening me again and I keep telling them they accepted the payment as full and final settlement and have suggested my next step is to send all the correspondence to the county court and ask for the ccj to be removed Does anyone have any suggestions as to how I can now get them to accept they have made a mistake and the debt is legally cleared please?

Hi there, On 13 November at 6:14 pm I tried to withdraw £200 from HSBC cash point in Richmond. 2 attempts failed and each time I received error message. The only difference was in second attempt the lid opened but nothing came out apart from fresh air. Next day I went to the branch and explained what happened. One of the staff told me, don't worry, you will get your money back as it happened before. I explained what happened and they told me in 2 weeks time I should get my money back. Now after more than 2 weeks, nothing happened and on Saturday when I went to the branch again and asked for a manager, one of the staff told me he is busy now but I will ask him to give you a call. Then, nothing happened, he didn't bother to call me. my question is what should I do now? And how can I take a legal action and where should I go? Many thanks, Sirous

To my dearest CAG friends, I hope you are all well. It has been a lifetime since I have been on here for advice. I have some very dear friends (Mr & Mrs W) who are in desperate need for some help. A DCA, MKDP LLP are chasing funds (of less than £1000) for a credit card balance. Reading through their paperwork (in my limited knowledge) Mr & Mrs W may not have followed the procedure correctly in replying back to court documents. Let me give you a brief overview. Debt was assigned from HSBC to MKDP LLP on 13 March 2013. Mr W requested a copy of the signed agreement from them. One year later (12 March 2014) an ineligible copy was finally sent through which was a copy of opening a bank account not a credit card. 29 May 2014 Claim form received from Northampton County Court Business Centre POC reads: The Claimant claims the sum of £xxx.90 being monies due from the Defendant(s) to HSBC Bank plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 13/03/2013. The Defendant(s) account number was xxxxxxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank plc. The Claimant claims the sum of £xxx.90 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. They did not complete the AoS instead they replied with a letter dated 14 June 2014 with the following: Dear Sir/Madam, With reference to the above, I can see that there is nothing for the Court to deal with as I have said that I would be happy to pay upon proof of the debt which MKDP LLP have failed to provide. 16 July 2014 Mr & Mrs W received Notice of Proposed Allocation to the Small Claims Track which said the following: TAKE NOTICE THAT 1. This is now a defended claim. 2.It appears that this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for the claim, you must complete box C1 on the Small Claims Direction Questionnaire (Form N180) and explain why. 3. You must by 4 August 2014 complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office and serve copies on all other parties. 24 July 2014 Mr & Mrs W received from MKDP a copy of their Directions Questionnaire where they requested Settlement/Mediation. 6 August 2014 Mr W received a General Form of Judgment or Order They had failed to file the Directions Questionnaire with the courts. They duly completed one on the 13 August and hand delivered it to the Courts. 16 Sept 2014 Mr W received a phone call from the Mediation department. Mr W disputed the debt saying he was waiting for a copy of the credit card application. Mediation department said they would go back to MKDP to request said form. MKDP told the mediation department they were in possession of a document with a date stamp (1996) which did not require a signature from the bank. The conversation ended with a 'see you in court.' 26 Sept 2014 Mr & Mrs W received a Notice of Transfer of Proceedings stating to all parties, This claim has been transferred to the County Court hearing centre listed below for allocation. On receipt the file will be referred to a procedural judge who will allocate the claim to track and give case management directions. Details of the judges directions will be sent to you in a notice of allocation. 12 November 2014 Mr & Mrs W received a General Form of Judgment or Order stating: Before District Judge xx sitting at the County Court... UPON considering the file and there being nothing like a defence document filed IT IS ORDERED that:- 1.The defence is struck out 2. The Claimant may enter judgment forthwith without further order 3. Any party affected by this order may apply to have it set aside or varied or stayed such application must be made within seven days after the date when this order was served on the party applying. Dated 20 October 2014. Mr & Mrs W responded with a letter dated 19 November 2014 stating: With reference to the above judgment I am requesting this be set aside. The Notice of transfer Proceedings dated 24 Sept state that I should have received a notice of allocation, of this I have never received. It would appear from this last document that I should have submitted a defence document, this I was totally unaware of as this is the first time that I have been in this situation. Could the court advise if this situation could be resolved and if so what action is required of me at this point. 24 November 2014 Mr & Mrs W received a letter from the courts advising they need to complete a N244 form within 7 days which is where I am asking for help. I feel so sorry for them as they should have asked for help. From the mediation it has gone straight to judgement. As such, please could someone advise how we complete the N244 form to help them with their case. It must be completed asap. Thanks so much Big hugs x:)x