DATE PENALTY APPLIED DETAIL OF PENALTYPENALTY CHARGEDCUMULATIVE PENALTIES CHARGEDINTEREST DATEINTEREST CHARGEDACCOUNT BALANCE AT INTEREST DATEINTEREST FREE OVERDRAFT (ENTER AS +)INTEREST ON PENALTIESTOTALS:5,099.50917.09Estimate of previous charges:0.0024/01/2001Charge28.0028.0002/02/200149.07240.92 0.0024/01/2001Charge28.0056.0005/03/200141.72-1,766.81 5.2725/01/2001Charge28.0084.0002/04/200114.48-2,431.78 1.4925/01/2001Charge28.00112.0003/05/200128.66-1,779.84 4.4825/01/2001Charge28.00140.0001/06/200118.22-1,088.61 5.11 Thanks I think I made a mistake then as I listed all the charges as down the left as shown above and all the interest charges as they appeared on my statements under the interest on penalties on the right. To make things easy should I just delete the interest and make a simple claim for the bank charges especially if this will give me more chance of a sucessfull resolution. Kind regards Justin

Chelli Thanks for the info but the charges /interest is really confusing me My claim is as follows: Bank charges £5,099.50 Interest on Penalties (as listed on statements) £917.09 TOTAL £6,016.59 This is the calculation that I put on my schedule of charges and interest to the bank as these were the ones that appeared on my statements. Have I completly screwed up the interest schedule to my misunderstanding of the process? If so do I have to go through everything again or just alter the claim on the N! for the correct interest? Thanks again for your help as this is really doing my head in and if it wasn't for such a large amount of money I would give up chasing the HSBTheives!!! Kind regards Jay

Dear all I am just filling out the particulars of claim and feel a bit stuck at the section below. 1) What is the [date when the money became owed to you] is this the date 6 years ago or is this the date when I first sent the letter to HSBC saying that I claiming charges?????? 2) What is the daily rate of interest [enter the daily rate of interest] 3) Also in the value section on the N1 form it says the following and I dont know what to put in this section?????? : Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. Any advice will be appreciated Jay _______________________________________________________ c) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from [date when the money became owed to you] to 16th May 2007 of £917.09 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest]

Thanks to both of you for the advice, I am taking HSBC to small claims and finding it all a bit confusing as this is not something that I understand to easily. ChloeJane you mentioned in your response about exemption if in hardship but the link has been removed - does this mean that you can be exempt from the cost of taking them to court????? Jay

I am now at the stage where I sent the Letter Before Action and have heard nothing so I am moving onto the next step of making a court claim. The question I have is that I ordered the Smal Claims Pack and it says for claims upto 5k the trouble is mine is for 6k - does this mean that I cannot go to small claims court????? I am confussed and would appreciate some advice as I dont want to make any mistakes. 1) Where do I make my claim if I cant go to small claims court? 2) Does it cost more money? Many thanks Jay

I have just done my spread sheet and it works out that I will be claiming appx 5k, do you know if the bank will close my account if I go through with this? Jay

Hello everyone, I have just sent off my letter to the bank requesting statements and am very confused as to what I can & cant claim for, I printed off all my statements last night and highlighted everything that indicated a charge (excluding atm) and it came to over £5000 excluding interest which confuses me even more! I wondered that the statements that the bank will provide would have more detail as to the ones that I can claim for? If anyone has any advise please feel free. Kind regards Justin