should I sign my LBA?

got it! thankyou so much for taking the time to write all that advice and links!

Hi guys! great forum! I gained a lot of info from you guys, but I am nt sure how to proceed with my own claim.(I want to show that I am in hardship) I've sent my first letter to HSBC for the last 6 years of statements. added up the charges and sent my first letter. I got back the usual letter that many people are recieving of: "We acknowlegde reciept of your complaint about bank charges blah blah blah" one of the lines say " we have registered and stored your complaint..." and " once the legal proceedings between the OFT and the banks finish, we will resolve your complaint as quickly as possible" so does that mean my claim is on "stay"? also they sent me that famous leaflet that all HSBC customers recieve "putting your finances in order" thanks HSBC! so helpful! anyway I heard that I can ask them for a hardship form? but that its highly unlikely that banks will give money back even if I fullfill most of the criteria in annex2 of the FSA waiver, so what's the better option?

thank you thank you thank you!!!

Thankyou to everyone for this forum! it's really helpful unfortunately I still have a problem, I have got many "PRE-NOTIFIED FEES & CHARGES" after reading the information in this forum, I'm still not sure if I can claim this back! Any help at all would be greatly GREATLY appreciated! I've checked everywhere and can't find details on these charges Thanks to ANYONE in advance!!!

Thankyou to everyone for this thread! it's really helpful unfortunately I have the same problem, I have got many "PRE-NOTIFIED FEES & CHARGES" after reading this, I'm still not sure if I can claim this back! also, I've got a charge called "CHARGE RECALL S/O-D/D" it always comes out when another company tries to take out £100 from my HSBC account (which I pre-arranged) but because I dont have £100 i9n my account, it is returned and then the "CHARGE RECALL" is applied. Can I claim this back? Any help at all would be greatly GREATLY appreciated! I've checked everywhere and can't find details on these 2 charges Thanks to ANYONE in advance!!!