Cheers James... I'll take a look..Whats your view on this?

I have seen an article in the Daily Mail that states Legal Bids to reclaim overdraft charges are being kicked out of count courts because of a test case that could force banks to come clean on fees. In the past week small claims court orders against Halifax and Lloyds have been rejected on the grounds that a case has been submitted to a higher court which could be set precedent in these types of cases....has anyone got any views on this?

It is saying Bank Charges put on Ice by Courts.... does that mean no court will take on a case now and will banks now be refusing to pay everybody out?

There is an article in today’s financial section of the Daily Mail which indicates that there is to be a case heard in the high court about the bank charges issue and many banks are waiting for the verdict before taking any action. Can anybody tell me what this says...? I don't like the sound if it....

Thats brill, thats the guy I sent mine to, they must be getting peppered with letters at the minute...

That is amazing... who did you send the letter to? I am claiming back £3000....

I'm the same, everyones waiting to see how I go... so they only send you one letter and that was to offer you money?

Are you taking it? so a straight offer from your first letter?

Cheers for that, that's awesome... .how much did you get in the end?

Hello, you are right actually, but I have combined the 2 letters together and made a letter using good parts from each... I do remember that I did keep the illegal but then went on to say how unlawful they were.... I think they will get the Jist of it and hopefully will get a reply in the next 2 weeks... We will wait to hear... Can anyone message me who was succesfull and who the contact was? also how long it took and how many letters later?

Thanks for the advice...

I have given him 14 days to respond before threatening with proceedings so hopefully we will see from there.... the next letter with be more aggressive... Thanks for the warning though...

Thanks for that, I think I'm going to send my letters to:- Mr Alan Pretty Senior Service Quality Officer HSBC Bank Plc Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP People have been successful and it's the right place for the letter to go to. Your links didn't work by the way... I've got 2 letters that I coulkd send... one is which a guy got refunded straight away using this:- Dear Sir, It has been brought to my attention that your bank charges are illegal. Therefore please refund to my account ( sort code) ( account Number) all charges without undue delay. I feel very strongly about this breach of the rules by your bank. I will give you fourteen days to accomplish this task before seeking legal advice. Yours Faithfully (Name) Signed. the 2nd is a bit long and is open to discussions and debates and invites numerous letters I think which is what I don't want... Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx My request I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, [name] Does anybody have any better letters or advice?

Hello, You can go onto Statements once you are online the HSBC banking site and it will list all the months of this year and then you can click next set to view all the previous year and so on to year 2000.... I guess it would take around 2 and a half hours which is what it took viewing my hardcopy paper statements... it will take around 30 days for the statements hardcopy to come in. I called my bank and asked for them... Hope this is of help. Paul

Hello, I called my bank about 30 days ago and asked for 6 years worth of statements which I got on the 4th July, I calculated that over the period it all adds up to £2765.50. I am going to send Head Office a letter and wondered if there were good templates that would provoke the least amount of correpondance and be effective in getting the charges back... I worked out the 8 % interest you can claim equals £663.00, would I ask for this in my letter before action? Also are there any good contacts?