I know, its like a real dilemma. I guess i'm just hoping to get a few opinions to make the best decision. One way of looking at it is if they are prepared to pay me this after one letter then they are admitting guilt so should get the rest. To be fair to them though it is a very generous offer. ARGGGGHHHHHH What to do!!!

Isn't it just, kinda hard not to accept it!! I addressed it to Ian Shepherd HSBC Bank plc Coventry DSC Harry Weston Road Binley West Midlands CV3 2TQ Just waiting for some advice now.

UPDATE (Really Excited) Well I sent my prelim letter just over a week ago and got a fairly positive letter this morning but now need a little guidance from the people that know best Basically HSBC have said they are prepared to refund £1970.00 of the £2191.50 i'm claiming for saying that they are mindful of the management time and irrecoverable legal costs that are involved with a claim. So, whats my next step, do I accept it and still tell them they have till monday (14 day expiry) to settle in full and then send the LBA or just wait till monday then send LBA without acknowledging this letter?!?! Any help on this would be greatly greatly appreciated as its only £221.50 short of the total and i dont wanna screw it up and lose out. I kinda want to get to the court phase so i can add the 8%. Thanx in advance guys Dayvg21

Hi Guys and Gals Just been reading through all the Egg posts as i'm going to start mine with egg soon. Now i see that a few peeps have got as far as the courts and i was just wondering how things have progressed and if anyone has managed to "Crack the Egg" yet. Before i start my Egg case i'm thinking i should clear my balance first, is this advisable to save them stalling and asking for me to repay it during the proceedings, just wanna kind of pre-empt things. Thanks in advance guys, this whole forum is a lifesaver, you should all give yourself an almighty pat on the back!!! DayvG

Cheers crusher Been scouring the forums for a pair of hours now and i've had to stomach that its only 6 years. The annoying bit is i found 500 quids worth of charges from before the 6 year point GRRRRRRR. Could you check my spread sheet for me to make sure it looks about right before i seal it in the envelope?!?!? DayvG

Ok, i read that bit the FAQ's but i don't understand why that affects it. I'm not the brightest spark so can someone put it into easy speak for me. Ta Dayvg

Ok, i've seen that in the FAQ's, but what i don't understand is why its a stumbling block. I'm not the brightest spark so could someone put it into easy speak for me... Ta DayvG

Has anybody successfully claimed charges back further than the 6 year period?? DayvG

Ok, first potentially stupid question but i gotta ask it. Can i only claim back 6 years. The reason i ask is that i have all my statements from when i first opened my account in sep 1996 up to june 2000. The bank have sent me statements back to july 2000 but as i have previous statements i'm assuming i can claim them to?!?!?! Boomshanka DayvG

Thats the overdraft interest. I used the spreadsheet on this forum to work it out. The claim broken down is £2191.50 taken from the statements they sent me dating 7 july 2000-7 june 2006 plus 499.25 from statements i had at home from sep 96- june 2000. Thats £2690.75 plus O/D interest of 163.65 totalling £2854.40. Does that sound right?? Cheers Dayvg

Update!!! Got all my statements through and its totalled £2690.75p plus £163.75 interest on penalties. Doing my next letter as we speak ready to be sent tomorrow. Bring it on. Getting all excited now!!!

Well i've posted the DPA recorded delivery so they should have it by tomorrow morning, i'm all excited and everything!!! Lets see what happens.

As far as i can gather Abbey are one of the only banks that wont be reducing its charges giving it the "In your terms and conditions" bull. The general stance is you go over your limit then your getting charged.The cashiers on the counter have been told they cannot under any circumstances discuss any charges on customers accounts and they must be directed to the advisors on the main desks. After which you have to go through a lengthy discussion about your account If your charges are an abbey mistake then the charges will be refunded but the manager of the branch no longer has the discretion to do this and it has to be directed to the complaints dept. So unless the customer has any idea of their rights (as i didn't untill i found this forum) they are going to get no-where. I'll keep you posted as i find out more. DayvG

Hi everyone, I'm a newbie but i have scoured this forum for as much info as possible and am now ready to take on HSBC!!!! I found out about the possibility of getting charges back from an abbey asst branch manager at the weekend and took it from there. I found this group read as much as i thought i needed to and my DPA letter is getting posted tommorrow afternoon once i finish work. I'm all excited and everything!!! I'll keep you posted. If you want any inside information on how the high street banks are treating all this then just ask as someone very close to me works for Abbey in a high street branch. They have had meetings all week about charges and what they're doing(or not as the case may be) about it. DayvG

To be honest the discovery of this forum has really got me going!!! I first found out about the possibility of reclaiming charges from an abbey assistant branch manager so i did a little google and stumbled accross the CAG BAG. This forum is awesome and I will be telling everyone I know about it, the ones I have told don't really beleive that it works even with the survey results.......i'll show em!!! My girlfriend actually works for Abbey and they have had meetings all week about charges and abbeys stance is still that they are fair charges that are inline with high street competitors.....if thats the case why are they coughing up over 35k in charges to their customers that have taken action...I LOVE IT. Thanks for the support i shall keep you posted!! DayvG