could some please help and take a look at my previous post....!

Today I received a letter from DG Solicitors: URGENT - NOTIFICATION OF INTENDED ACTION We refer to our previous correspondence. As you have failed to repay the above debt, our client is considering instructing us to issue legal proceedings against you in the county court. This may result in judgment being entered against you and if the judgment is not satisified, an application being made for an attachment of earnings order. An attachment of earnings order is an order from the court which may be sent to an individuals employer where they have disposable income, requiring the employer to make deductions from their wages each pay day to repay adebt. this letter is therefore warning you of possible legal proceedings, in the event our client is not paid the debt owing. IT IS NOT TOO LATE TO AVOID THIS COURSE OF ACTION please contact us immediately on freephone to discuss repayment of your outstanding debt. if you need time, we may be able to arrange this. Any ideas? what next? I sent a Castle's letter to court and HSBC saying that I was going to file new POCs - but havent actually filed anything yet. I was waiting for the outcome on Govan case. Can I try to settle without the interest that was accumulated? can they ask for interest while the debt was in dispute? Any answer please!!!

Today I received a letter from DG Solicitors: URGENT - NOTIFICATION OF INTENDED ACTION

Please help... Just realised DG sent the letter - "we have noticed you contacted our client on 30th april 2010 and they gave you a response on 5th may", we have been informed no further contact has been made, therefore can we have your proposal regarding the above account with in the next 14 days". Funny thing is the letter has the wrong account details! Surely thats a violation of data protection!..? Also - doesn't the banking code saying something about charging interest while the account is in dispute...?

Helllo - can anyone advise on this please?

Any ideas on the above...?

Hi all - its been a few months so just coming back to see if any new strategies have come about to challenge charges. I received a letter today from DG giving me 14 days to decide what I want to do...(not sure about what - but I guess make some attemot at paying charges. Anyone hear of any settlements being accepted? How about the interest on top of the charges that accumulated while I was waiting for the unfavourable surpreme court outcome....? Anything new??? Thansk as always. Robert

Thanks Johnny - oddly enough thhe letter above came from HSBC and I received a new letter two days ago from Dg Solicitors (I know they are one and the same - but they're not even talking to each other...)! So while HSBC has given me 8 weeks to respond, DG has asked me to respond in like a week....? I will send them (HSBC and DG same letter) - Pete's letter. Thanks (as always)

Sorry been away.... So what do I do next...? send a letter to HSBC saying I am keeping this alive and open and send a letter to FOS? Anyone have a template? Thanks, Robert

Mike, Johnny, Thanks to both of you - very helpful and good to know I am not alone. Are other cautiously positive with Govan Law centre case....? I will then complain to the Ombudsman - and explain why i think HSBC letters b.s. - I already sent a letter to the court, asking them to keep case open (effectively castle's letter) Mike - When you say "go through your arguments and note responses to HSBC" - other than s. 140 CCA - is there anything else....am I missing someting. Thanks, again.

Hi All - I read the announcement about the Govan Law Centre, etc - looks promising....!! However, could someone please advise....? I received a letter from HSBC on Saturday - it goes: As we explained in our letter of 18th December, following the Suprme Court's finding that bak charges are not capable of amounting to penalties at common law and that the level of charges cannot be assessed for fairness under UCTA, we are now in a position to deal with your complaint. We believe that the disputed charges were properly charged and the outcome of the legal proceedings supports our position. As a result, we confirmed that we would not be upholding your complaint and would not be refunding the bank charges. we invited you invited you to contact us if you believed that the charges are unfair on grounds other than the level of the charges, and that we had failed to address all of the issues raised in their complaint. Next - lots of blah about the OFT and the justices comments, etc. Then some commentary about that they (HSBC) considered the views of a numbe rof interested parties (who...???) and that the OFT would not be continuing its investigation under UTCCR after careful consideration, etc. blah blah.... and that there were no other potential bases of challenge under Regulation 5(1) that stood a realistic prospect of success (of course they would say that....!) Then they address my response to the 18 December letter i.e. we are confident that there is nothing inherently unfair about the relationship between the bank and customers, indeed the OFT have recognised, and we agree, that a generic challenge based on s.140 CCA would not have good prospects of success. Accordingly we do not accept your claim on this ground. For all the reasons set out above, we do not consider that any of the grounds rasied in your letter provide a basis on which your complaint should be upheld. Acordingly we will not refund the bank charges. . If we do not hear from you in 8 weeks we will consider the matter closed. This letter constitutes out final responsewith regard to your complaint about overdraft charges and should you remain dissatisfied, you have the option to raise it with the Ombudsman scheme, etc. You have six months to refer your complaint to them should you wish to do so. Any thoughts...? Much appreciated.

So I guess thats it then....time to throw in the towel. I don't much hope here.... Do you think they mights settle for less...?

So now what......? Have the new POCs come out....? Not sure what's next here...any help?

Great Thanks castlebest - good to see you are still moving forward!

Thaks Johnny - I sent the Castlebest letter to HSBC last week - should I be doing anything else. Sorry, maybe I being "thick" but do I need to do anytthing else....? Write to the court...? And say what...? Sorry about the questions.... Thanks for your help!