Just to let you know, I sent the first letter out to HSBC as I could access my statements online for the last 6 years.
I asked for £1190 in charged to b refunded from the last 6 years. I have to confess that I didn't send the second letter, 2 months after I sent the first one, I recieved a letter offering me £1050 in settlement. Due to my current financial situation, that money was a god send, so I have accepted (as it is only 140 quid less than what I asked for. I would consider that a result
Now on to Cahoot