Hi I sent a letter to HSBC requesting my bank charges back, they wrote back to me twice, the last letter dated 4th June 2008 stated that ...."customer complaints relating to unarranged overdraft charges will continue to remain on hold"... This is the last I heard from them, however I found out today that my account balance has been passed to a debt collector. I am totally baffled by what's going on as I can see sums of money has been paid back to customers, how can these customers get they charges reimburse and I can't. What am I doing wrong?

Thank you for your speedy reply. Are you saying that to date Kensington has not lowered its SVR? If that is the case, would it be possible to change my mortgage with Kensington to a tracker mortgage following the fixed term?

I sent copies of my statements to the HSBC bank asking for a refund for bank charges over 6 months ago. I received a letter confirming receipt and that they are unable to come to a decision until the banks have been to court. However, on reading that refunds are being received by customers and I still haven't heard anything makes me think that I do not qualify, or is this something that I should chase. Any advise would be appreciated.

Hi, Please advise. I have an 18 years term interest only mortgage with Kensington. The mortage interest rate is fixed for two years @ 7.08%, this finishes in June 2009 and then it is followed by Kensington's standard Variable Rate (currently 8.70%). Will be mortage payments, after the fixed rate period is completed, come down to reflect the current lower interest rates (if they still apply at that time) or, would I still have to pay the 8.70%? I am not in a position to remortgage. Thank you in advance for any comments. :?