Hi Need some help understanding the lingo please. Helping my daughter and her partner out reclaiming bank charges. Successful with Halifax joint account they paid out the full amount requested £3150.72 including interest ( they said they were going to defend it but then sent letter saying that they were going to settle for the full amount requested) just before the announcement from the oft. But with respect to my daughter's own account with halifax for £813.47 it was started with MCOl just before the OFT announcement but received notification on 08/08 that they are going to defend it (they have sent a copy of the defence they have also notified us that thy have changed their solicitors. As yet my daughter hasn't recieved any correspondence stating that this claim has been stayed. Can anyone please let me know whether we have to do anything or do we just wait? Thanks Pkw59

Thanks for your advice. This is the first direct contact I have had with the Courts other than to be told that HSBC had decided to defend the claim. A copy of the itemised charges was sent to HSBC when the claim was initated and I did used the CAG Spreadsheet to calulate the charges but not in reverse date order. Is it important that the charges are in reverse date order and do I send the Judge and HSBC's Solicitors a copy of the charges itemised with interest calculated or just a schedule of the charges and let them apply the interest? Cheers pkw59

Hi to you all This is my first posting ever to a forum although I regularly read them - so apologise up front if I get it wrong I have got involved in reclaiming bank charges on behalf of my daughter and her partner when they had to go to citzen's advise to get help in sorting out their debts when her partner was out of work at the beginning of the year and they recommended that we try to get the bank charges back Have applied to the county court so far on all three accounts indispute. On my daugter and her partners joint account with halifax have had a success and halifax settled out of court and paid out Charges, Interest and court fees £3270.72. Only applied to county court on my daughter's own account with Halifax yesterday for £813.47 - so fingers crossed. But on her partners account with HSBC has gone all the way and have now received the following General Form of Judgement or Order from the court and it doesn't seem to be in line with anything I have found so far on the forums (or perhaps I am not looking in the right place so I would welcome any help possible - please) It reads: "Before DJ..... sitting at Local CC... Upon the Court own motion. The court has made this order of it's own initiative without hearing. If you decide to object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it IT IS ORDERED THAT 1. The claimant to file at Court and serve on the Defendant by 4pm 27th July 2007 a particularized schedule setting out the individually each sum which he says the Defendant has taken from his acount or accounts unlawfully specifying the date on which it was taken and the number of the account in question. In default the claim will be struck out without further Order on the date and time specified herein 2. Therafter the Claim shall be stayed for settlement until 4pm on 31st August 2007 3. Not later that 4pm on 7th September the Defendant's Solicitors shall file at Court and serve on the Claimant a notice indicating whether the Claim has been settled or not, and if not what issues remain indispute and why. If the claim has not been settled the DJ will at that stage if possible without a hearing give further directions to progress the claim to Trial. 4. Leave to either party to apply to set aside, stay or vary this Order by 4pm 13th July 2007" I understand that we have to send to the court a itemised statement of all the charges and the dates they were taken but when it says that we have to serve on the defendant ... does that mean I need to get a solicitor to take it to HSBC or can I send a copy recorded delivery. Are there any other documents I should be sending at this time? Also what if HSBC decide to take up No. 4 ' Leave to either party to apply to set aside, stay or vary this order.' would there be anything I could do Although this order is dated 3rd July it aslo has on it dated 26/06/607 but we didn't receive it until 7th July. All help greatly appreciated and apologises if I have posted this in the wrong forum - a point in the righrt direction would be greatly appreciated too. Thanks