Hi GBZSTRO, Been following this thread with interest, before commenting on the whys & weres are you able to give a breakdown of your charges ie amount & date not interested in what for. Not being nosey you understand just trying to get my head around the figures you've given. I will be going after MBNA myself in the coming weeks after a succesful spat against HSBC. I have also written a spreadsheet that calculates compounded monthly interest on charges & am looking to see if it works. Regards thistlegorm PS. misspickles, Its probably me, but.... Am I the only one not to follow your method for calculating interest on charges? Sorry perhaps my night shift has fuddled my brain but I am sure there must be an easier way... Also for you info, you are charged interest on ALL charges. Regards

Are you actually Surprised? Read Your opening line: Thank you for your letter dated 02 June 2006 offering £250 in full and final settlement against my claim of £250. What is it your asking for? There are too many people on this forum that are looking for a "get rich quick scheme" read the FAQ & realise what this forum is about!!!! Every person that "cuts & pastes " these letters needs to understand that they may end up in court explaining. If you are not prepared to do the latter , please do not do the former. Regards Thistlegorm HSBC £1600

All, Apologies, Unfortunately I read all the FAQ ( as a suggestion perhaps place a link in RED with strobe lights attached to it, marked "If you still cannot read PRESS here on every Bank Forum"). Initial Claim with HSBC £1754 for two years charges: 5 phone calls 1 carefully worded e-mail... in writing Final Offer £ 1600. Letters eventually do work... however having believe in yourself & being assertive often work quicker.... From Initial claim to refund 4 weeks? Maybe not everything, but the lions share methinks.... Regards Thistlegorm