I'm a very patient bloke so waiting is not a problem

No my friend I don't use online banking

Thanks for the advice everyone. Good to know there are people out there who can help out

Appologies for getting emotional everyone, it just really me off you know. I had a bad patch last April where I was diagnosed with chronic prostitus and had to give up a very well paid job (well, very well paid to me anyway) and I have been stung something terrible with charges on both my bank accounts and also my credit cards. Can I also get back the charges for my credit cards?

Ok, i'm a virgin here so please bare with me I'm about to claim back charges from HSBC (I just found out tonight the (edit) ******** charged me over £150 in charges this month alone) and wondered as my wife and I have both joint and single accounts, would the £10 charge cover them all or just for each single account? As we are with three banks I plan on hitting them all for the money they've (edit) off us over the years. Also, should I claim back further than 6 years or just for the 6 years? Thanks in advance for any help you may give and also for this wonderful site