You state in the particulars that an attached schedule details the value. The value is only the total of each column, ie... Total charges: £xxx.xx Total Section 69 interest: £xx.xx Hope this helps.

Excellent. Not a running race though - that's boring. Can we make it a three legged race, egg n spoon race or, even better, a sack race? OC

I'll be keeping everyone posted at every step of the way. And if non-disclosure crops up, I'll be refusing that as well (unless they offer me a HUGE incentive - yeah right!!)

Technically you have a point. However, the banks are looking for the technicality that can put all these claims to bed. My honest answer is to follow the tried and tested procedures outlined on the site. Slow and even boring perhaps, but it does get results...even if it is as tortuous as Whizzy and Neil's claims... To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Congrats Bovvered The cheque will come before their 28 days is up. They don't want you to click that judgement button! When I received the settlement form with the letter asking me to stop court action, I replied saying thanks for the cheque but don't expect me to stop any court action until I receive the cheque and it has cleared (worded slightly better - but the message to them was pretty clear ) Almost there!!

Hi Guys! Quick update as Mr Spiceskull requested. Had huge developments on all issues which have kept both myself and Spicey very busy bee's!!!! ;-) I've not been skiving nor had I given up - I can assure you!!!! After a great deal of blood, sweat and tears - lots and lots of them!!! - the current situation is this: 3 x DPA for 3 seperate accounts delivered by hand into branch - 13th June 06. 1 x Preliminary letter for estimated amount of charges within 1 account delivered by hand in branch - 13th June 06. Additional letter concerning ongoing dispute delivered by hand - 13th June 06. DPA request fulfilled, statements for 5 x accounts received - 14th June 06:eek: Settlement Offer of £1000 infull and final settlement of charges and complaint received - 14th June 06. Will keep my thread updated as and when ...but I have lots going on at the minute so am pretty short of time! KEEP GOING EVERYBODY!!!! Sarah

!!Thank-you ~ Thank-you ~ Thank-you!! I really appreciate your messages of support and encouragement. I applied for a current account with the RBS and was accepted and have the forms at home so I think I will make it a priority to get them sent off, just so that I have something to fall back on - just in case! I have read through the FAQs and some of the past cases but my mind is boggling with all the information that it all becomes a bit of a blur.... Yes, the letter I sent yesterday started with I hope that is the right one? They would have recieved the letter today and 14 days after this is the 29th of June. I did this deliberately as it co-incides with being paid at the end of the month so will be able to stretch and pay the court fees if needs be. I can't quite remember from the threads I have read and the FAQs but do HBSC tend to be settling before court action as the norm? I have quite a big claim so maybe they will act differently and be a little more reluctant to pay back fees? Sorry if I am asking questions that have been asked a thousand times, I am just a little nervous but thats getting better thanks to all the help! Thanks again!! Rachie p.s I'm glad you could see I was paniking - LOL!!

OH MY GOD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Just checked online banking and a cash deposit for £4901 has been made!!!!!!!!!!!!!!!

Congratulations. You must be relieved. Celebration time. :D

Hi and Welcome yes you can claim them back but before you do anything you must spend a few days to read around the forum and read the FAQ's .You need to become aware of what you are undertaking. You have posted the same question in 2 different places ,please keep to your original thread

HFC/Beneficial (CC) have admitted they haven't got the documents - or indeed any paperwork....game over! HFC (2 loans) - the DCA has failed to provide the documents within the 30 days, and has put the debt on hold whilst they were trying to obtain them. HFC has now supplied some information under my DSAR - but it is not complete by any means, and it also contains no original contracts. Should they manage to produce the documents at a later stage - and then try to enforce the debt, I will report their default to Trading Standards and the FSA, and am prepared to use all the recent correspondance over this to be put before a judge to consider the disputes I have - unlawful charges, and useless payment protection policy. This would be a very rough ride for the DCA should they decide to go down this road - and very expensive. They can also be sure that they will not get more than a few quid a month if they were to succeed.

you'll need to take some time to put together your particulars of claim. there are details in the library which are very useful, but the online form limits the number of characters, and more importantly the number of lines, that you can use, so you'll have to play around with the template. Once you've done it and completed the form etc, don;t forget to PM Bankfodder with the case number etc so it can go in the "Litigation in progress" forum Good luck

OK, first of all well done for taking the time to read through everything - you'll find it will help a lot. Onto your DPA question - yes the fee is £10 - it's not set by the institutions, but it the maximum they can legally charge. And as for the DCA. They are not allowed to harrass you. For starters, I'd suggest writing to them telling them you will from now only only communicate with them in writing and that you expect them to adhere to this. Tell them that if they continue you will report them for harrassment under the Wireless Telegraphy Act of 1949. If they do continue, report them to Oftel and to the police - if you have asked them to stop calling and to communicate in writing and they do not, they are committing an offence.

I would wait until they have a week to go, and then send a reminder. However, I received two years worth of statements promptly, and the balance on the 40th day... If you are keen to get a prelim out, then you can download ALL transaction history from the interenet, if you have set up internet banking with HSBC... Good luck though, and keep us posted. To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

And never will be. Don't take this as non-delivery though, 1st class mail is deemed to have been delivered in 2 working days. Your timescale starts from that point. Recorded delivery = utter sh***

a) Yes b) I wouldn't have thought you can claim the £25 again as it would be like someone asking for a £38 charge than asking for it again a year later..... By the way any form or agreement you have signed doesn't mean a thing as the charges are unlawful this means you can claim again and again, you haven't waived your right to anything.

Hi Cat It seems to me that you are doing everything right, go for it girl!!!, i from the info i have gathered here and on other sites i would put the two claims in together if they are for the same bank i.e. Lloyds, from 100% of peesp on here it seems Lloyds take you all the way to the wire up to point of you sending in bailiffs in just hold on tight and keep going, i will watch in anticipation of your final victory all the best adamski

if you have paid 50% of the agreement you are entitled to return the vehicle so long as you have put the request in writing. this is called voluntary termination and it is part of the consumer credit act. the firms do try and fob people off citing damage and the like and usually we advise our clients to take photographs just in case. if they have defaulted you without notice that is VERY naughty. it might be worth speaking to the credit reference agency in question and see what can be done. in the meantime here is more info on hire puchase >> http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_how_to_deal_with_hire_purchase_debt edit: i just need to double check, you never defaulted on payments prior to returning it?!?!

p.s they actually have to send you a default notice, glad i could be of service

Hi Nadine Welcome to the site. All charges taken from your account since January (or further back up to 6yrs)can be successfully reclaimed. Have you got all your statements (as its over a short while) if you have then you can send them a preliminary letter requesting all payments be refunded. Natwest Head Office at 135 Bishopsgate. London. EC2M3UR seems to be the place. you should send it recorded or better still Special Delivery as Natwest have not been accepting even recorded letters at that address recently. Templates for this letter are available in Bank Templates. If you dont have your statements and therefore dont know what they owe you, then you need to make a DPA letter requesting all data they hold about you including statements. DPA Templates also available in Bank Templates. Most of all spend some more time reading the FAQs and threads etc, its the best way to learn all you'll need to get the money back. Good Luck Kate

Almost right. Stage 2...... Detail your charges along with the overdraft interest. Don't add on the 8%. There is a letter in the templates library for this. http://www.consumeractiongroup.co.uk/forum/showthread.php?t=92 Good luck with your claim.

Bang on as I understand it!

Hi welcome.. sounds like a nice tidy claim! Make sure you keep reading around - you will notice from the prelim letter that reference is made in the letter as to how to approach the bank in the initial stages to request correction of a credit file or removal of default. Obviously firstly you need to ascertain what if any detriment has occurred to your credit file - if you had been defaulted (this can greatly affect your credit rating) then you would have been served at some time in the past with a formal notice of default (and probably several letters/demands prior - including an intent to default). If you have not received such then you will not have been formally defaulted by HSBC. Having said this your credit file can be marked adversely in other ways such as showing a series of overlimit/or late payment months - the file uses a series of abbreviations/letter codes to tell lenders about your credit performance over the last 12months - all of which is explained in the leaflet that would accompany any credit file request. There are two main credit reference agencies in the UK - Experian and Equifax. I believe HSBC use Experian. I would suggest going onto their website and ordering a copy of your credit file - it is nice to have an idea of what is on there anyway. It costs only £2 to receive your file. http://www.experian.co.uk/consumer/index.html I would suggest you can consider any corrective action after you have received your file.. in the meantime just delete the sentences in the Prelim letter template referring to credit report corrections - and crack on. You can always pursue a correction at a later stage of your claim.

IC first... .