Thanks very much this makes it much clearer. Ok, I have looked at the discontinuance notice, do I need to attach a covering letter stating why? Also I think I need to send HSBC a copy of the form/and or letter is that correct? Also do I then have to pay any costs after doing this? (I dont have to pay fees Im on income support) I rang the court up to ask but they couldnt answer any of my questions, they said just to send a letter in. Also the bit on the form where it says to enter the judges name confuses me. It says judge........ granted permission for the claimant to discontinue. do I need to write to the judge first to get permission before sending this form in? http://www.hmcourts-service.gov.uk/courtfinder/forms/n279_0699.pdf