hi guys:D i sent off the LBA letter on 6th of march and didnt hear anythin from the bank, so i called them up today and asked how my process was coming along, he said that HSBC had sent me a letter yesterday with a form to fill out and asks me to send it back. once they have recieved it i then have to wait aprox 10days for the re-fund, so it looks good for my winnings:D thanks to all for the great help. especially AtMoSpHeRiC !! ty ty ty xxxxxxxxxxx

Hi again people. with alot of help from AtMoSpHeRiC (thanks bunches! )i have sent off the letter to reclaim my charges back, it is only £315 but hey its free money:D wish i had gone more overdrawn in the past lol! i'll keep you all informed as to what hapens from now on. thanks for reading:D

Hello all. i have read the posts that you guys have put and its very well put out.. thanks for the advice! i have started a claim myself, as of today it will take 40days to come through with a charge of £10. hope to see a big amount come back to me :o again thanks for all your posts. excellent work! will keep youposted as and when i hear anythin else:-)