Ok- so yesterday I posted my LBA to phil, stating I had no response from my local branch to my prelim... . This morning I get this; Thank you for your letter dated 15 June 2006 requesting a refund of all your bank charges. in order that we can consider your request please provide a full itemised breakdown of these charges to include date, description and the amount applied. Please also include any proposed new charges that you will have received a pre notification advice for. thank you again for taking the time to write. yours... Senior blah blah.. So now what? Do I send Mr Landale a CC of the letter I sent to Phil? It includes the schedule of charges he asks for. They are on the same team in same dept of same business centre.. I could just tack on that due to the delay in his response that I have already proceeded to send the following letter.(LBA).. to his co-worker Phil... or do I just leave it and hope the point has been covered?. and does this letter serve as a positive response to my LBA, albeit sent before my LBA was recieved? I will stick to my original timetable in any case.. I'm just not clear about how I deal with this letter? Any ideas? ps. although I haven't recieved a pre notification yet for this month I know I will get total charges of up to £125.. if I don't ask for this now, will I have to cough up this fee and ask for this back later? What of future charges? If they refund then why would they carry on charging? sorry - just an after thought:rolleyes:

Thanks, I am going to give them a few more days to account for post and Sundays, then if no response I think I will write my LBA to Leeds and explain that I had no response from my local branch?... something like that.. I mean its all HSBS to me anyway..

Well it's been over the 14 day mark since I sent my prelim and I have had no response at all. I sent it to my local branch generically addressed to the Customer Service dept & to be signed for. I am now wondering if I stick to that address for posting my LBA or if I go for one of the adresses in Leeds? I am only persuing the charges with my current account at the mo but I also have a credit card with HSBC and am a bit of a revolver with it. Is it imperative I claim for charges on both accounts at the same time- or can I go after the CC charges at a later date? Any ideas on either point greatly received. I am so thankful for this site and will definately be making a donation at the end of this process. It is a much better service than I get from my bank!

I am sending off a request to Cap One for my dealings on my account- but my card has been cut up already and I'm dealing with a collection agency, paying weekly amount. Does this make any difference? And does CAP one still have access to my account info since its been passed on? I never spent over my credit limit but did not realise that their interest and charges were included in my limit, and not charged seperately. Then over limit fees and late fees built up when I fell ill to an uncontrollable spiral of debt. The charges practically equalled my credit limit in the end. Each month I paid what I could of the growing amount (which was mostly min amount) and the next month I would owe a hundred or so more! It was awful, throwing money into a pit and getting further behind despite paying and paying and paying... At least now its with collection Agency I don't have to pay anymore interest or charges.... Here goes nothing..

Thanks, that's what I am hoping.

or perhaps I could say the £20 was administration costs to cover the letter I sent to them requesting my charges to be refunded? .. see how they like it...

I sent the request for the amount by my calculations as taken from my online statements. I did not at this point include schedule of charges as I cannot download or print my statements from the online bank, and the bank have as much access as I do to the exact details at this point. I also did not add or inc any interest, just a flat rate Total of charges. So I sent off recorded letter today. Now, in going over the charges yet again I realise that I included one charge for £20 which was actually to set up the overdraft. It was listed just as the others and was overlooked. I know I am not entitled to this charge so not sure what to do now? Maybe by some miracle, as I did not give the breakdown of charges with the request letter, I can work out the interest on exeeded OD charges and it will be same or more than I have over estimated... otherwise not sure what to do... ? ..but for the waiting.. 30 June

Thanks- I did read the FAQ and think I will look into Nat West.. Posted off the letter recorded to customer services of local branch? right or wrongly.. and have fingers crossed...

I was just wondering if I am right in calculating the costs of all my bank charges? I haven't calculated interest or included the charges for using cash machines, but I have included the full charges for cheque bounces, going over overdraft limit, card misuses and returned DD's. I am not adverse to paying a nominal fee for these things, what I object to is the unjustifiable high costs for these. And when their charges push you over they charge you for going over.. They have no moral conscience about taking my last penny to cover their charges, even if it leaves me in hardship- since the computer makes the decisions... So I have calculated the entire charge. Is this right? I'm asking for the £1879.00 back that they have taken over the past 3 years. After that rant, I have to admit I don't really want the hassle of changing banks if I don't have to. I would have trouble securing another current account as my circumstances have changed since opening my account, (I am on benefits now as a single parent / f/t carer looking after my disabled child ). I am heavily reliant on being able to pay by cards and cheques but given my present circumstances I am concerned I would only be eligible for a savings account if I tried to open an account elsewhere. I am living within my agreed overdraft limit, occassionally mistiming with income/outgoings puts me over- but I pay the OD off in full at least once a month, but I am concerned if I go through with this that I will have to close my account or that if I stay my future relationship with the bank will be affected and they will grill me harder for any mismanagement of my account in future. But its a risk I am willing to take. And If I get my charges back I can pay off my HSBC credit card too. Does anyone know of any suitable banks for a parachute account in the meantime??

Thanks for quick reply:) Just realised I've posted this in the wrong forum- I'm not a banker... meant to post under my own bank group- Off to a good start already. MY MISTAKE AS A MOD FOR NOT NOTICING. WHAT IS YOUR BANK PLEASE SO I CAN MOVE THIS THREAD TO THE CORRECT FORUM?

Hi. I am so glad to have found this site! For quite some time I have been feeling gutted and EDIT by high bank charges- but no more. I am now doing the first letter asking for my money back. I know I am going to have questions arising along the way, even though I have been reading and reading all the FAQ's. I am already wondering- do I need to have printed copies of my statements before I send the request for my charges back? I have my statements online and have asked the bank to post me them , via the web site- at a cost of £10. But I have the actual details online- I am just unable to print them. Must I send the details of the charges- or can I just send them my calculations from my online statements? And if it does get to court will I then need to have bank drafted copies of my statements? The bank wants me to confirm that I am willing to pay £10 for them. I suppose I should say yes in case I need them? But do I need them initially if I have the details in front of me? sorry, new at this -I am not a litigious person by nature but I do want my money back.