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Yes, i know i don't claim the 8% yet, just like to be prepared. Thanks

Well, i'm getting organised, i've gone through my online statements on this account and my other accounts with hsbc and the total charges they have taken in the last 6 years = £767.00 I've put this with the dates in the spreadsheet provided here and the interest takes it to £952.17 I've opened a bank account elsewhere for myself so i have a back up and hubby is in the process of doing the same as the one account is joint so nearly ready to go. Something i noticed though when going through all the charges is that the charging amounts used to be the same every month regardless of how much i exceeded my overdraft limit, it was always a set fee of £27.50 which in 2003 went up to £36 then in 2004 dropped to £18, 2005 it was £20 so why in 06 does it suddenly shoot up to £125 for both jan and feb? Have hsbc changed there terms and conditions relating to charges? does anyone know? as if i had been charged similar to previous occasions i know i wouldn't be taking steps to get my money back but would have just accepted it. confused

to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again. Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again. Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement. I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse. This is there reply: Case: ******* statement enquirese (why a case number, i just asked a question) I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period. Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following: 6 dec - £1553.33 overdrawn 7 dec - £1662.16 overdrawn 12 dec - 1548.07 overdrawn 13 dec - 1606.07 overdrawn 14 dec - 1984.37 overdrawn please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit. Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit. Yours sincerely M Bowden manager customer credit services

I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement. I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse. This is there reply: Case: ******* statement enquirese (why a case number, i just asked a question) I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period. Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following: 6 dec - £1553.33 overdrawn 7 dec - £1662.16 overdrawn 12 dec - 1548.07 overdrawn 13 dec - 1606.07 overdrawn 14 dec - 1984.37 overdrawn please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit. Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit. Yours sincerely M Bowden manager customer credit services