Well, I received an offer of my bank charges only, £1160, which i accepted. I was asking for £1450 in total so the offer wasnt far off and to be honest i wasn't looking forward to going to court. Checked my bank balance this morning and the Charges have been refunded. Took them about 5 working days to process. Just like to say thanks to everyone who helped me. The advice I received from everyone here was brilliant, spreadsheets and sample letters were invaluable. Thanks again peeps.

called HSBC service centre today to discuss their offer, took over 25 minutes to get through to someone! sent of my rejection letter shortly after, hopefully they will send me an increased offer before the 2 week deadline I set out..otherwise I'll resend my N1 - last one was returned because I forgot to name the defendant, simply putting HSBC will not do!

well, after that chat i recalculated my charges and interest and completed my N1. Sent them off in the post yesterday. Just got back from work and have received an offer from HSBC. The charges I calculated they owed me was £1180 charges and £292 interest on those charges. (Not overdraft interest but the 8% calc). They have offered £1019.... What do you advise? Bear in mind if I act quickly I could stop the court action (£120). They state that some of the charges are over 6 years old, thats only because its taken them so long to reply to my letter!

How do I start court proceedings and do you have links to the info you mentioned above? I am computer literate but only sometimes!

Prelim Sent 27 Feb 2007 LBA Sent 19 March Confirmation from HSBC, they have recieved both letters and dealing with - as yet nothing other than standard response letter.