Another thing re the £25 admin charge is that to keep an interest free overdraft of 1000? Its not ideal but if all else fails i'll do it for now and then switch banks later...im going on holiday in a couple weeks dont have time to look up new banks just need it sorted before the 19th!! When I get back they will wish they kept me sweet. Not he first time hsbc have done this when i first graduated they changed my total account to a current account without telling me then i got it reverted to a graduate account. I thin kthey were hoping I wouldn't notice.... Can anyone recommend a good bank to switch to? With a decent overdraft facility of course...

I got the exact same letter. I rang them up the other day and they basically said since 22006 all their graduate accounts have been for two years only which is impossibleas I got my graduate account for 3 years in 2007 so I still have a year as a graduate. Anyway the guy I was talking to couldn't help me said I have to visit the branch I opened the account with so thats my plan. You should go in there and give them hell!!