I started a Skilltrain IT course in Feb 2005 - from receiving first couple of parts of the course I was not happy as the course was very poor (also falsely endorsed - thanks to BBC watchdog) - and I had signed a credit agreement for £2500.00 I stopped doing the course and stopped receiving parts of the course after a few months - but continued to pay a reduced payment due to financial difficulties and to avoid a CCJ/default - I still owe £600ish But am now in the financial position to challenge this - I basically want my money back. I offered them 14 days to resolve - then an LBA 14 days and now- I am in process of entering a claim against them in small claims court - is it going to be a problem as signed the agreement more than 6 years ago? (even though the course end date was around 2008 ) I know they have paid out others who were on the same course - but I am concerned due to the 6 years thing!"

I have been in financial difficulty and in debt management since 2002 Intelligent Finance only now - in 2009 have decided to default my Credit Card and Overdraft balance I have been paying reduced amounts since 2002 Only now in 2009 when most the balances are almost gone (less than £500 and less than £975 on the other) - they decide to default me! They haven't sent me any letters confirming the defaults - but I have just had the accounts passed onto Blair Oliver & Scott And looked on my credit report - to find 2 FAT defaults! These accounts were opened in 2001 - went into debt management in 2002 Why didn't they default me 6-7 years ago?? It would of been settled and cleared and off my credit report by now!! I feel this is totally unfair and they have just destroyed my credit rating for another 6 years! What can I do - if anything? (I called them and asked "why now" and they said - sorry only Blair Oliver and Scot can discuss this - but it is IF that defaulted me) WHAT MAKES ME MAD - IS THE BANKS HAVE BEEN BAILED OUT - WHO IS GOING TO BAIL ME OUT!!! I JUST CONTINUE TO PAY OUT - AND STRUGGLE TO FEED MY FAMILY!! Yes I got into difficulty and made some bad decisions 6-7 years ago - but I am still being punished!??

Hi Guys, I sent my SAR to Smile / Co-op around Middle December - requesting both credit card and bank account SAR However its been more than 40 days now - and they have only sent a list of bank charges (with my £10 back) - although they said in the letter they would send credit card statements by 10th Feburary 07. They still haven't!!!! What do i do - if they dont comply to 40 days?? Let me know Cheers

Guys, Got my defence from HSBC today (day before the 28th day cut off) (I have a claim for just over £1000 + interest, court fee etc.) (My claim is only for "exceeding overdraft charges" by the way, as I believe these above all are the most disproportionate of all!) In their defence they are claiming that the charges taken from my account are Overdraft Arrangement Fee's and are not charges/penalties. "the charges represent the contractually agreed price for the services provided and the UTCCRs are not applicable to them." (UTCCRs = Unfair terms in Consumer Contracts Regulations 1999) "Futher, the charges are not default charges and, accordingly cannot amount to a penatly." Has anyone else had this defence? What to do!?

Guys, Got my defence from HSBC today (day before the 28th day cut off) (I have a claim for just over £1000 + interest, court fee etc.) (My claim is only for "exceeding overdraft charges" by the way, as I believe these above all are the most disproportionate of all!) In their defence they are claiming that the amounts taken from my account are Overdraft Arrangement Fee's and are not charges/penalties. "the charges represent the contractually agreed price for the services provided and the UTCCRs are not applicable to them." (UTCCRs = Unfair terms in Consumer Contracts Regulations 1999) "Futher, the charges are not default charges and, accordingly cannot amount to a penatly." Has anyone else had this defence? What to do!?

Anyone been paid out by HSBC after MCOL and defend in full reply recently? I had reply they are defending in full about 19 days ago - so they have 9 days to actually show me some sort of defence - and was just wondering if anyones just been paid out after this stage - recently! Jimbo HSBC Mcol'd for just over £1k

Yep - I got the same letter today - they are defending in Full!! Ahh - Help!

Canada Square - its the registered office address - really small at the bottom of your statement.

Just finished my MCOL Claiming for £1000+ including the 8% Am I supposed to send them another Sched of Charges with the 8% on it now?? I'm sure I read that somewhere Although they've already had 2 x sched of charges with Prelim and LBA? Am I going mad?

I've been using the Leeds address to send all my prelim and LBa to - so I think I'm going to use the same address for MCoL Will this be alright - any objections? J

Which address shall I use for MCOL - same address as Prelim and LBA? Had no reponse though!

Does HSBC normally respond to prelim letter - I sent my Prelim about 14 days ago and have heard nothing at all. About to send LBA Anyone know if they normally ignore prelim?

Do you have to claim overdraft interest aswell as charges? I am about to send LBA - for 946.00 of charges - however because I generally got paid a day or two after charges were taken - the interest generated by being overdraw was minimal. Can I just simply claim for charges + standard 8% (but not for overdraft interest)?

Good luck matey Just sent my Prelim to HSBC for about £900.00 yesterday:) Fingers Crossed! - just hope its gone to the right address

One other quick question - Is it ok to only claim for "exceeding overdraft charges" and nothing else? Or do I have to mention every charge for it to work?