thanks Pete! we will get a letter sent off over the weekend. The only problem I can foresee is that we have our house on the market at the moment, if the house sells but the case is on hold can they take their money from the sale of the house? I don't understand why they didn't go down the route of putting an attachment of earnings on my husbands wages surely that would mean a quicker way of getting their money or do they realise that their charges are too high? Thanks again

Hi all I hope someone can help. We have tried to claim back bank charges from HSBC, after receiving all bank statements and adding up how much they have charged us we put a claim in for £2955.60. They were claiming £2660.71 from us. Then the OFT and Bank went to Court!!! This matter was then put on hold until the Judge made a decision. Meanwhile the DG solicitors put a charging order on land registry, bearing in mind the bank account was solely in my husband name and not joint but the mortgage is in joint names. (april 2007) We are currently trying to sell our property so if its sold the bank will automatically get the money! After the Court decision we received a letter from HSBC (December 2009) which seems to be the standard update letter giving us 8 weeks to respond to our complaint, if they do not hear from us then the complaint is closed. They do not believe there is any legal basis on which the amount of the charges can be challenged. Does any one know what we should do next! :-|