Has now been sorted..... money arrived in my account this morning. Thanks all. Donation done too. mj

Filed and now requested a warrant seeking payment in full immediately through MCOL. Never heard anything from HSBC on my initial MCOL, not even a letter, no acknowledgement in the system either. Have other people had to go through all this too - is has been heartening to see lots of of you out there have been successful on with the perlim / LBA letters, and then some with the lodgement of the MCOL..... have others had to request judgement and warrant ? just looking for someone with some experience here as most dont seem to have ot go this far !!?? It was originally for around the £1650 mark..... what a kuffuffle ! thanks in advance for your help, marice

Filed and now requested a warrant seeking payment in full immediately. Have other people had to go through all this too - is has been heartening to see lots of of you out ther ehave been successful on with the perlim / LBA letters, and then some with the lodgement of the MCOL..... have others had to request judgement and warrant ? just looking for someone with some experience here as most dont seem to have ot go this far !!?? It was originally for around the £1650 mark..... what a kuffuffle ! thanks in advance for your help, marice

the bank hasn't acknowledged it, just all gone quiet - you are right. will get onto default judgement now...... thanks ! just wasn't sure if that was a bit over the top to roar into that cheers, mj

Hi all. Lodged my MCOL on 8 Sept, had letter from court confirming 'notice of issue' and deemed served on 13th Sept. Haven't heard anything from HSBC, no letter or anything. Has anyone had this ? I could call judgement through the MCOL online system now (since past 14 days) or should i wait longer ? Or should I be doing something more ? Hope someone can help ! Thanks, MJ

Hi all, couple of quick questions on MCOL: 1. What address did you use successfully online claim for HSBC - i am finding he system doesn't like Sheffield, S1 2US so much ?? 2. What wording did you use in 'particulars of claim' ? I was thinking "The regime of fees which have have been applied to my account by HSBC in relation to exceeding overdraft limits are unlawful as set out by the Office of Fair Trading (April 2006). I am seeking full refund of these charges taken from my bank account by HSBC." 3. If i elect to not reserve the right to claim interest, does this make a difference the weight of my claim ? 4. They gave me £100 refund for 'in view of the time i have devoted to my query as a gesture of good will.....' so should i take this off the sum i am seeking ? thanks mj

What address do i use for the bank on my MCOL ? the online system doesn't seem to like the S1 2US postcode i have used ofr my letters ??

Well, hello again. You did better than i did, they have credited my account with £100 "in view of the time I have devoted to my query", and told me to sod off. My claim was for £1542.00. The two weeks from when i sent the LBA was on friday so this came in right on the button. Will now investigate the MCOL business....... good luck with yours, mj

posted my LBA today as well ! high five mj

Hi there guys Am in the same boat as you by the looks .... Sent the letter with my breakdown (as i didn't have to request my statements and all that) and got a 'we are looking into your complaint' letter the other week and then a 'we dont agree and you are getting zip' letter last thursday (just within the 14 days of sending my 'give me my money you *****ing bankers' letter to them) you refer to sending a second letter - what are you thinking on the wording of this ?? what are these on-line money claims i have seen referred to instead of trotting down to the county courts ? just for background - have a current account which i have been charged for going into overdraft on (usually by not much and only for a couple of days) - eg the last one i went over by £28 on a saturday and was charged £25, and i cleared the lot when my pay went in on monday........ hmmmm. thanks for any help - this site is really motivating and my friends are anxiously awaiting to see if i am triumphant so i can them persuade them to do the same !! Marice MOD ** Please Don't Post Potentially Libellous Comments - Thanks **