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Hi Alihen, Thanks for the details, it is encouraging that they seem to be responding quicker but as Pixxy said, the money is yours! I know what you mean about pushing them to account closure though, it is a scary thought but it does seem to be a rarity. I don't feel qualified to advise on this since I have been dithering about sending my prelim letter for ages but I think if it were me (and maybe it will be!) I would accept the offer but not as the full and final amount and let then know that you intend to stick to your original deadline for the remaining amount. Best of luck with whatever you decide to do and keep us posted!

Well done you, I can't believe how quick they were for you. Do you mind my asking who you sent your letter to?

Thanks Overcharged. x

Hello again, I'm still dithering about sending off my prelim letter and just wondered if anyone knew off the top of their head the policy on repayment of graduate loans if HSBC did decide to close my account? I've got a £4K graduate loan the only thing stopping me at the moment is the thought of them closing my account and demanding repayment immediately. I'm certain if someone can't afford to pay that all back immediately then the bank would have to agree to some sort of installment plan but has anyone had any experience of anything like this? Any advice would be much appreciated.

Thanks Neil, I'll give it a go!

Brill, thanks for all the advice, I searched for a print button but I'll look again, otherwise I'll try print scree. Cheers guys.

Hello all, I was going to wait for my driving licence to come back as proof of my new address to send with my DPA letter (it was kindly suggested to me that I send some form of address verification since I've moved from where my holding branch is) but then I realised I can go back over all my statements online. They don't need actual photocopies or anything do they? Or can I just compile my own spreadsheet from my online statements - the crafty beggars don't allow you to print or even copy and paste from the site!! Any advice much appreciated as ever.

Great, thanks again. The bummer is that I'm moving house again this weekend (hence the worse than usual skintness) so I guess I'll have to hang on a little until my driving licence has been updated!

Thank you Spiceskull. My account holding branch is down in Devon from when I was uni, does it have to go there or will my local branch do?

Many thanks guys, I don't really want an initial meeting because, as you say, I'm certain it will just be a waste of time. I think if I'm going to do it I might as well do it properly so I think I'm going to request my last 6 years worth of statements, it seems silly to go to all the trouble of possibly going to court for less than the total amount I'm entitled to. I really appreciate your advice, thanks again.

Hello, another newbie here who feels that HSBC have totaly and utterly ripped me off. I have read through the guide and FAQs but just have a couple of questions as I seem to have read a couple of conflicting answers. A brief outline of my situation is that I am working my way up the career ladder and thus very badly paid at the moment in the hope of it being for the greater good. Since December 2005 I have paid £1,309 in overdraft charges alone and have seen an increase from a max charge of £70 a month to £125 a month which is pretty much what I pay most months since as soon as I think I've righted myself, I get a hefty charge and the vicious cirlce starts again. This may sound pathetic but I'm only really interested in claiming for this period of time since I think this is when the charges became obscene, plus I'm so skint at the moment I can't even afford the £10 for the DPA request for my charges of the last 6 years. Should I meet with someone from HSBC first or just go straight in with the preliminary letter? Sorry this is so long and rambling - I'm quite scared of the consequences of getting it wrong but feel so strongly about what they're doing and need that money!! ANY advice greatly appreciated, Indebted. x