Perfectly in line with your responses, last night i found 2 letters in the mail. The first was the AQ. The second was a letter of settlement from HSBC's solicitors for the full amount claimed! Excellent. Job done.
However, a couple of questions remain. The first is what do i do about the AQ now - do i just ignore it, or is there something i must do other than return the letter of settlement?
The second question is this. This claim of mine has been based on my standard debit account because the information was readily available on line re: my transaction history. I am also pursuing the excessive charges on my credit card account, but because these details aren't available online, i have requested them over mail. This will take longer and i am concerned that if i sign their settlement, which includes the disclaimer, "I agree not to make any other claims relating to charges for the period stipulated above", i will not be able to pursue the credit card charges.
Any suggestions?
Finally, thanks to everyone and the forum in general for the clear and concise guidance through each and every step. :grin: