Hi Jacob You can reclaim 100% of all the charges, as long as they are not service charges. The overdraft usage fee you mention may be a standard service charge which you cannot claim back, but the rest you certainly can. I would refer to all the statements and check if it appears every month, also how much is the charge? Best of luck, please set up a thread in your banks relevant section, you will get all the help and advice you need there.

What Sally said Also, please start a thread in the section relevant to your bank, you will get any help you need there. Please please read the FAQs before you begin the process so that you thoroughly understand it. Best of luck

There are several banks that have basic accounts. I opened one with Co-operative, who so far have been fab. I have never heard of a bank charging to open an account, are you sure this isn't just a minimum opening balance?

Hello mickskie Can you set up your own thread in the relevant bank section please, ta Best of luck with your claim, post if you need help, we're always around

Hi Spencer We're all very friendly and helpful, just yell. You'll need to start a thread in the Yorkshire Bank section, so you get lots of relevant help and information. Unless you are based in Scotland, you will need to send all your correspondence to your branch, not H/O as it is north of the border. Good luck with your claim.

Hi Cherry, At the moment as you are paying a small amount regularly, you are doing the right thing. DO NOT stop paying them. Have the companies you have requested statements from sent them yet? Are you currently paying small amounts on all your debts? With regards to the debts as opposed to the charges issue, the best advice I can give is to keep in contact with them, and be honest with them. You will need to set up threads on the relevant forums for the different credit companies and banks you are claiming charges from. You will always get help and guidance on those. Good luck

There is a template for POC in the bank templates library. You dont need to send another schedule to the bank as long as they have had one already. The 8% interest is court defined and standard. Good luck

It wont affect your court claim so dont worry about that. There is a letter in the bank templates library accepting the offer as an interim only, You may have to revise it slightly as you have already issued proceedings Good luck Tad

Go for it, the worst that will happen is that you will get all the charges back anyway. DG Solicitors who act for HSBC are inundated at the moment, so there is a good chance they will pay all of it. Good Luck

BTW of course you can claim the charges back, just like everyone else on here, don't take any guff from them, you WILL get your charges refunded, you are entitled to the money they have [edit].

You will feel sooo different once you have got all the charges back. Once they have refunded them back to you, you should be able to stay within your overdraft limits and not incur further charges, which is what happened with me, life is somuch easier now. Good luck respect

I would call the court tomorrow to see if they have applied for the claim to be struck out, or if the court requires you to re-submit the claim but it seems fine to me.

The £100.00 will almost certainly be the amount of the cheque that was returned, and not the charge applied for it, so no dice sorry.

when you say your court summons, do you mean the trial date has arrived, and you have already sent back the allocation questionnaire? If so, you don't need to send any further info or paperwork, you have already provided the basis of your claim and the figures in your original claim form. Just relax and wait for the offers to arrive

Have had a letter offering £165.00 out of the £223.75. The remaining £58.75 was for a 'card recovery fee'. A gentleman (ahem) turned up at my house and politely requested that i hand over any cards/chequebooks so that he could destroy them for the bank. I told him (truthfully) that I had called the bank over a month ago to complain that my debit card had been swallowed by a machine in Majorca, so I no longer had one. I had not had a chequebook on the account for over a year. Basically, can I still demand the charge back, even though they obviously incurred some cost employing an outside company?

Yes you can, if you write to them including all your personal details, ie full name DOB, address you were at when you had the account, they should be able to trace the account and send you the DPA information. As long as the charges are within the 6 year period, you can claim them back. It doesn't matter if the account has been closed.

Don't panic, they will pay out, just give them a call, say in a confident manner that you know that they are going to pay the claim, so why cost themselves more interest by delaying payment. It will happen, it is your money and your claim. Good luck

Have been offered £165.00 by HSBC (out of £223.75) apparently they do not consider that the £58.75 card recovery fee is a ‘charge’ which they should refund. Does that mean that they think that they SHOULD refund the others?????? They didn’t need to send the bloke out anyway, had they bothered to check their systems or phone records they would have realized that the card was swallowed by a machine in Mallorca, and I called and told them about it.

Here we go again. I won against HSBC a couple of weeks ago and asked DG Solicitors to refund addidtional charges totalling £223.75 at the same time. They chose to ingore my request, which would have saved them time and money. LBA sent today. I could do with another couple of hundred quid before Xmas.....

Money credited HSBC account on 14/10! Transferred imediately to new bank account, leaving £223.75 overdraft (the amount of fees they charged me after filing the claim). Round 2 beckons!

It shouldn't do, I had complications because one of the accounts was a joint one, and my ex has gone bankrupt. All got sorted, but delayed things for a while. Good luck winnie Bong-bit firmly between my teeth and saying grrrrr

I have sent them this by email today... [FONT=Times New Roman]Dear Sirs[/font] I refer to your letter dated 5 October 2006 and my previous letter dated 29 September 2006. I note that you have not responded to my earlier request that you save both me and yourselves the unnecessary waste of time and resources of a further small claims track action by refunding the additional charges totalling £***.**. I also note that the payment conditions that were outlined in my letter were not adhered to. I therefore will not accept your offer of £****.**in full and final settlement of this claim. I now claim the interest that has been accruing at a daily rate of £*.**since the date of issue of the claim on 11 August 2006. I calculate that this stands at an additional £**.**as of today’s date. As stated previously, I will not agree to any confidentiality clauses on the repayment of MY money. I will accept £****.**in full and final settlement of claim number 6QZ53491, assuming payment is received no later than 18 October 2006. Please take this as my acceptance of your presumed offer, and do not waste our collective time by sending another standard offer letter. I look forward to hearing from you shortly. Yours faithfully, Claire78comments?

Sorry it is in Bear Garden, but my thread has been moved to successes and I wasn't sure anyone would read it. HSBC were meant to file their allocation questionnaire on 09/10. I contacted he court to make them aware of this and the file will now be passed to a district judge to decide what to do with it. Basically I am looking for any thoughts on what will happen to the claim now.

Well done, really pleased for you

For crying out loud, their response to that letter, standard letter offering £5935.97 still with confidentiallity clause, are they thick or what?