Well, my extremely quick claim (not 100% refunded but nearly as good as) was processed by Mr Langdale. Nice chap.

I can't believe it. HSBC actually coughed up after just one letter. I had already sent the second by the time I received the first but it's dated the same day as I sent my second. They have acreed to pay up £1140 out of a £1267 claim. That'll ding-dang-do thank you very much . Only think is, I wasn't expecting a reply so quickly and was away on holiday and i've missed the deadline for the reply by 3 days. Will this be a problem? Even if it is, I'll just end up getting even more out of them so I can't see them put up much of a fuss.

Well, there are a lot of us in the same boat and there have been plenty of succesful claims. HSBC can be difficult all they want but if you're in the right you're in the right. I'll be sending off my preliminary letter tomorrow. Good luck with your claim

Thanks. I've just popped them all into the spreadsheet and i'll take out the intrest columns. The fact that HSBC only usually label charges as "Total charges" rather than each individual offence doesn't reall help. Well, I think I'm now as prepared as I'll ever be so the letter will be going out recorded deliery tomorrow

Well, after trying to digest whole load on info from this site and others I am about to send of my preliminary request for repayment (£1257 worth) to HSBC. I've used the standard template but i'm a little confused about the line I enclose a schedule of the charges which I am claiming with this letter. What's this about? Should Ibe sending a copy of my statements with the charges highlighted? Should I just omit this line?