Cherickle I sent my LBA 14 days (not working days) after. Good luck!

Is there anyone out there who could take a quick look at my s/s of charges. I am submitting my court claim today (by N1) and I am not sure my daily interest rate is computing right. I have inserted a formula that adds together the charges and 8% interest and then multiplies by 0.00022 this gives me one amount. But the spread sheet automatically adds a different amount each day. I want to be sure I quote the correct daily interest amount. Also, does it matter that the total charges I am submitting in the claim differs for the amount I have included in my prelim letter and LBA to HSBC? This is caused by additional "notified fees/charges" that have been applied this week. Cheers

That is great - thank you MTM. Unfortunately, after looking there I still have some Q's So... How do I know if my local County Court deals with this?? Or do I just submit to them anyway? Mine says it deals with bankruptcy; civil; divorce and district registry - not sure if this falls within that? Do I send my N1 and POC to the Court Manager? and.. do I have to send any money?

As Pink Dutchess says, most of this is way over my head. But at the same time, an incredibly inspiring and interesting thread and I really wish you well. Go get 'em

I am planning to file using N1 at my local court and have a question - who do I address my letter to? I read that you can post it (presumably, by reg'd post). Also (apologies if this is a dumb question), how do I find out where my local court is? I live in Tunbridge Wells in Kent and don't think there is one here. Many thanks

Great link. Many thanks

So my LBA went out 10 days ago, with no response, so I need to gear myself up for the next step. Could someone be so kind as to help with some guidance? Is anyone else at this stage as well? Is it just submitting the claim on the MCOL site? Is there anything else? Thanks

I need T&Cs from 1991. I just remembered it was Midland Bank not HSBC in those days. What a blast from the past - remember the friendly Griffin?

So two weeks have passed and no big fat cheque has landed on my doormat. What a surprise. I did get the standard 'we are looking into it reply' after about 7 days, but nothing since then. Just printed off my LBA and another copy of the schedule of charges and was ready to send another recorded delivery to Uncle Colin. However, I have now read through the latest postings regarding the Birmingham case and wonder if I should hold off taking further action until I get a copy of my T&Cs? My account was opened in 1991. Am really hoping someone out there has a copy to share. Please let me know what I should do.

Great! Thanks for that. Letter and charge schedule going off today by recorded delivery.

I hope this thread is going to the right place.... Am new to the site and have just been my spreadsheet for 6 years of charges from HSBC - amounting to just under £1,400. Question - when I enter the interest amounts into the advanced spreadsheet, it is not showing any applicable interest on the penalties. Does this mean there is nothing to claim? Will it effect my claim if I do not submit a claim for interest at the first stage? I would be more than happy to get back the 1,400 quid. I find the instructions around the interest calculations quite hard to understand - just too blonde! Wish me luck!