Hi, I am new to this site and was wondering if I could draw on your collective wisdom with my query! I have had a HSBC account for a while and get charges of £50 when I go am overdrawn (i.e. as money goes out and comes in I may be a little overdrawn at time to time!) for this - I have recieved numerous charges and was wondering if it is possible to claim back these charges - which prob amount to several hundreds of pounds. 99% of the time the account has a healthy positive balance. Any templates on offer or any advise will be much appreciated!