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Just a quick question I hope... I'm getting my court bundle together and just re-printing my schedule of charges . The 8% interest column has now obviously automatically updated to be a little higher than it was when I originally filed the schedule through with MCOL because it's been about 70 days. Do I need to adjust the figures back to how they were when I originally filed the claim? or does the 8% interest apply up until the time of judgement? If it's the latter, the total amount of my claim has now increased right? How does this get handled by the court? Also, surely the schedule that I print off now and send in with the court bundle will be "out of date" again by the time of the hearing in 3 weeks? So the same question applies here. Any help much appreciated. Rob

Don't get too excited. Mine was sent on the 26/02, acknowledged on the 04/03 but I rang MCOL and was told it was not served until the 06/03, figure that one out! It would be nice to get the judgement by default on the 2nd April but I'm not holding out much hope for that. I expect a defence sometime this week to be honest. You can always go through the process on the website anyway. If you're too early it well tell you, so just keep trying until it lets you.

Right, I thought as much but thanks for confirming. Looks like I'll need to wait a month or so so I can clear my overdraft and then start. Problem is will something have changed in a month or two's time? Something's telling me that this sudden influx in people who are doing this is going to cause the banks to do something about it? Maybe take all cases to court as a deterrant?

Ok, I could spend ages applying to a million bank accounts and trying to get overdrafts, which will surely affect my credit history quite badly so obviously I'd prefer not to. The main questions I have are:- - Can they cancel my loan at their own discrection, even if I never default/miss payments? - Can they legally take my overdraft for reasons known only to them? Thanks

I've been reading intently most of the posts on this site for the past couple of days and I'm very interested in trying to claim back the £829.00 in charges HSBC have taken in the past 6 years, all of them are for exceeding my agreed overdraft limit. I have quite a large loan with HSBC for a start, which is quite crucial to my finances. Could they take this out of spite? I'm hoping that they can't, even if they decided to shut my account? The next thing, my overdraft. I have a £1,000 overdraft which I'm about half-way into at the moment. Now I'm thinking an overdraft is completely seperate from the loan as it is a "service", and that they could, if they wish, remove it at any time without reason yes? This is what worries me. These are the only two things holding me back. I've printed and signed my letter and it's ready to go, but they could cripple me financially with one swoop if they wanted to, so that scares me quite a lot! I've been approved for a new current account with another bank but they won't give me an overdraft This was going to be my back-up plan Any advice appreciated.

Must admit I came here via Martin's e-mail. Interesting reading indeed. I've probably racked up approx £1k in charges in the last 6 years so I'll be giving this some serious though, nice forum 8)