I am in the process of claiming bank charges back from HSBC on behalf of my son and I do now feel discouraged about yesterday's victory for Lloyds. It is taking alot longer than I thought - I first requested bank statements back in March and they were here within 3 weeks (they even returned the cheque for £10) so I thought that was a good start. But since then I don't seem to have got very far. After working out the charges of £1,439 plus interest of £317.92 I wrote again requesting a refund this time. I had a reply 2 weeks later from their Service Quality Team at their Leeds branch saying they were looking into the matters raised and they would contact me with a full response when they had completed their investigation (and enclosing their booklet called 'Listening to your comments'). Nothing received since in spite of a further reminder letter sent to them at the Leeds branch three weeks later threatening court action. I now don't know whether to send another letter (but to their Head Office) or to issue court documents to them through Money Claim Online. It costs £120 and I don't know now whether to risk it yet or not. Has anybody out there had any recent success reclaiming bank charges from HSBC and did it have to go to court?