I got my reply back from my LBA on saturday they are not going to pay me my money back, small claims court here I come!!!

Posted my LBA yesterday they now have 14 days to comply otherwise I shall unleash HELL, huh huh ha ha ha

I got my response from the bank today & surprise surprise they said they dont see the charges as unlawful & consider the matter resolved but if i wish to continue with my claim I am to submit the charges & dates which I will do with an LBA letter UP YOURS HSBC!!!

Posted my prelim letter yesterday by recorded delivery now its a waiting game

From reading the FAQ's & other peoples comments I may be as well leaving the interest part out of my letter as it might get a bit too complicated for me to calculate, what do you think?

One little item I am unsure of, I have inputted all the charges from my statemnts into the excel spreadsheet that I downloaded from this site, the last column on it is the 8% interest that is added on. On the preliminary letter asking for my money bank it says should I have totted up the interset they charged me at the time of my penalties or the 8% interest that is calculated from the spreadsheet. Please help

The rest of my statements came through yesterday, thankgod, I have just finished totting up the charges & i get a grand total of ........£ 2380.50 without the interset which would be £ 471.82 which could give me a grand total of £ 2798.32 if it ever went to court. I will compose my letter asking for MY money back soon & post it off. Wish me luck !!!

Hi im a newbie on here I have found it thoroughly intersting reading about everyone elses "campaigns". I sent my request for statement nearly 2 weeks ago and although I asked for the statements for the last 6 years I recieved a bundle of them through the post today from april 2000 until december 2003, theres 2 & 1/2 years still to come I hope they come in the next few days. I thought it strange how they sent it like that a mate of mine had all of his delivered in one envelope from DHL mine came in seperate montlhy envelopes with a rubber band round them. Anyway I'll keep you updated, Keep up the good work POWER TO THE PEOPLE Chris