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What now

My bank (HSBC) have filed a defence, and I've now filled in the allocation questionnaire.

Therefore I now presume that it'll go to court. and i'm wondering what the procedure is,

Firstly do I need to be there?

Will I need representation?

Will the bank show up mob handed?

If anyone who has got that far could fill me in, I'd be very grateful

Also what are the chances of the bank settling before, how do the banks go about doing this?

Thanks

Stef
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