I dont think they are stupid, I would say there are hoping that you didnt notice.

No, you can make another claim but from what I have read, you should have a parachute account incase HSBC use there rights to call back any money you owe them and close your acount. Are you in a position to pay back any loans/overdrafts if you have any. if you are then go for it

SETLLED Firstly I would like to thank everyone here in re-couping my charges and secondly I think I am the first person to do so completley through email, I didnt post one letter. Sadly it looks like I will be the last, in the footer of every email I put "Proud member of the CAG. http://www.consumeractiongroup.co.uk" I didnt even take them to court as I didnt have the funds available to start my claim until about 2 weeks after the deadline on my LBA, but I recieved a letter offering me a full and final settlement but also on the letter it asked that I inform the CGA that HSBC do not class emails as an appropriate means of communication in matters like these. Also after re-calculating my wifes charges I realised that the full amount was actually £470. But to HSBC's credit I received there letter wednesday morning, signed it and posted it and the funds were in my account by close of buissness on friday. Now its time for me to start the ball rolling with the claim on my account. I was doing my wifes account as a tester, as they owe me alot more. After my second claim is complete I will be donating £250. I have 3 friends who are also owed alot of money and have told them I will handle there claims for them is they each donate £250. Thanks everyone Mrs Flood

I have just adapted a letter from the templates library and will be sending it on the 30/6/06. Any suggestions? LETTER BEFORE ACTION Dear Mr Langdale, ACCOUNT NUMBER: Blah Blah Blah I am very disappointed that you have failed to action the request to my letter dated 23/6/06. I do not agree with the delaying tactic used by HSBC asking for a breakdown of charges, any person dealing with this can acces my account the same way I can and can access this information for themselves. I have acknowledged your request and as a gesture of goodwill, in this letter I include a breakdown of all charges. I now understand that the regime of 'fees' which you have been applying to my account in relation to exceeding overdraft limits are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £235. I am enlosing a copy of the schedule of the charges which I am claiming. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest and my costs without further notice. Yours Sincerely, Mrs Flood

The Adress to send your prelim and LBA to is Senior Service Quality Officer Service Quality Team Arlington Buisness Centre Millshaw Park Lane Leeds LS11 0PP

I think in my LBA I will tell him that he has the same access to my account history that I have and that all charges on the account can clearly be seen from that.

im assuming hsbc use the same system most companys use. [email protected]

or you can do what I did and email it to [email protected] they will email you a reciept and i got a letter back within 4 days

Well, where do I start? I have been reading the forums for the past week or so and have picked up some very helpful information along the way. Hsbc owe me over £2000 between my accounts but I decided I would do a "test" run on my wifes account. They owe her £235 so I thought it would be best to do her account first to make sure I got everything 100% right when the time comes to claiming mine back. I have internet banking so I sat down and added up all the charges. I emailed the Preliminary letter to [email protected] on 23/06/06 and gave them 7 days to reply. Today this is the letter I recieved 27th June 2006 Ref: blah blah blah Dear Mrs "Flood" Thank you for your letter dated 23 June 2006 requesting a refund of all your bank charges of £235 going back six years. In order that we can consider your request please provide a full itemised breakdown of these charges to include date, description of the charge and the ammount applied. Please also include any proposed new charges that you will have recieved a pre notification advice for. Thank you again for taking the time to write. Yours sincerely Mr Colin Langdale Senior Service Quality Officer Now im just wondering what to send to him. Do I do as he asks or do I go ahead and send the LBA after his 7 days are up? I think I will email it to him directly, or again send it to the customerrelations email addy and just put FAO Mr Coling Langdale, and they email you a reciept anyway. Any tips on what to do next will be very helpfull. Also I have 3 friends who have sat downa and worked out that they have been charged thousands by hsbc and loyds, so I will be sending them to the forum shortly. Gaz