This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi Just thought I would update you and let you know of my success! Following the banks initial refusal to refund all the charges (£175 over Feb/March) I sent off the standard template letter stating that I would pursue the matter through the courts unless they did refund. This eventually led to a phone call in person from Phil Beaumont in Customer complaints department. Whilst accepting no responsibility for liability, he said that if I signed a letter that they would forward, then they would refund the £175. They sent the letter, I signed and returned it and Hey Presto! I got the charges back. Thanks very much to everyone that contributes to this very worthwhile site.

Hi Excuse me if I am being a bit thick, but I am new to this... I am a bit confused here.... Looking at the list of charges provided, how come you are including the the interest charged on the overdraft...? I would have thought that the interest was a fair and reasonable charge for being overdrawn. Surely the only recoverable charges are only the unreasonable and unfair portion ie. the main charge...?

Hi Skyrocket Yes we are in a very similar position to you. I found out yesterday that HSBC have taken £125 from us on top of £50 last month for an overdrawn period of 10 days. We too have a joint account, our main mortgage, 1 remortgage, my wifes personal account and her business account! I too am worried about the same things and basically I am going to be very careful how I approach this and read as much as I can on the forums to ensure I am as prepared as I can be... I totted up our charges over the last 6 years tonight and it comes to nearly £1000! Still can't quite believe it.... I have started my own thread on this if you are interested, it is at :- http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=1112 I will be interested to watch your progress on this as well. Best of luck.

Hi Dave, Thanks for your prompt response. A quick update, I phoned my branch manager today and he got a lackey to phone me back and after some discussion, they offered me £50 back!!! I accepted the £50 but also said that I would like a full refund of the £125 charge, I even said please! She said that she would need to refer it back to the manager and they would write with the result. I said that if the result was not the full refund then I would pursue the matter further and we left it at that. We shall see what happens next! Thanks again for your help.

Hi I found out today that my bank (HSBC) have levied charges on this months statement on my joint account that I share with my wife; of £125. I was so livid that I wanted to ring there and then and give them a piece of my mind, BUT then I remembered seeing an article on Martin Lewis' site and followed the links to this site. What a REVELATION!!! I have just been back through my statements for the past two years and was stunned to discover that I have paid over £450 during that time... I am now thinking about pursuing a claim against them for last 6 years and my main concern is that I have a joint account, 2 joint mortgages, my wife also has a personal account and a business account all with the same branch.... If I start this procedure, am I running the risk that ALL thse accounts could be affected or can they only close the main joint account that I am concerned with. Thanks to everyone who posts stuff here, it is a fantastic resource.