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I've already done that. I told them this the first time I contacted them by e-message, which they acknowledged receiving and forwarding to the relevant parties twice now and I sent them a letter by post over two weeks ago reminding them. Tomorrow's the official date I told them I'd enter the claim so I guess tomorrow it is. Thanks. Dimitri Merged threads, please keep to the same one.

I posted on the forum before it changed address and now my thread is gone. Anyway, tomorrow it'll have been a month since I've first contacted HSBC about the £654 they now owe me and, although my messages have been acknowledged, I haven't gotten a suitable response or a refund so tomorrow I'll be making the claim through the courts. Any last minute advice I might need before doing that? Thanks. Dimitri

Here's on update on my situation. On 13 March I received the following e-message acknowledging my initial letter (which was also in e-message format): Dear Mr Provias Please accept my sincere apologies for the delay in responding to your e-message dated 8 and 12 March 2006. I have passed this matter to our Complaints Department who will be in touch shortly. The reference number for this case is: Reference Number : **********. Should you have any further queries, please do not hesitate to contact us. I trust this clarifies matters. Yours sincerely Mr M Bowden Manager Customer Credit Services *** I didn't receive a further response so on Saturday 18 March I sent a final reminder that I'd be taking legal action on April 5... using your template (and changing it a little bit). I haven't heard back from them yet. I kinda wish I could just enter the claim right now and not have to wait all this time. If I have any news, I'll post on here. Dimitri

Thank you, Paul. That was very helpful and I'm very likely to use your template. I'll make sure to update whenever I have news. Thanks again. Dimitri

I've only had it for three and something years and I've checked every single statement and highlighted all the charges. I'm not letting them get away with it.

Just to keep everyone up to date, I've received an acknowledgement of my e-message today and have been told that it's been forwarded to the complaints department who'll be in touch with me shortly. Having said that, I just read someone else's response that sounds exactly what I'll probably end up getting so I've decided to write in paper to them.

I've written my letter to HSBC, using their e-message service on-line, requesting the £634.00 of charges they've enforced upon me in the last three years to be refunded. Although I didn't ask for any of the interest to be refunded, I did mention that the total of charges didn't include them and that I believe I'm also entitled to them. I guess I just didn't want to push my luck, even if that money is mine. After this, hopefully I can work on getting at least the interest on my managed loan back. Thanks to everyone for all your help and I'll keep you all up to date as to my progress. Dimitri

So do you really think I'll have to go to court? I'm prepared to do so if I have to but I'm really hoping it won't go that far. Thanks for the reply. Dimitri

I have just finished going through all the statements I've collected since 2003. I've calculated a total of £634.00 in charges, not including any interest that was applied. I'm definitely going to contact HSBC and claim that back. My main concern before writing to them is the managed loan I had to take out to repay my overdraft and many of the charges that were applied to it. The loan I took out was for £1,030.00 with an APR 14.8%. It was in June 2004. I've still got nearly £400 of it to repay due to the fact that my repayments have had to be quite small and the interest rate has been high. My question is, should I make any claim for the loan? I took it out in direct response and at HSBC's advice as a way to pay back the charges I was given and the amount I went over my limit so that I wouldn't incur any further extortionate charges (e.g. £72). Can someone please give me any advice. I do realise that by doing all this I may have to enter legal action. Also, can someone tell me how I can calculate the interest on my claims. Thank you. Dimitri

Two and a half years ago I went over my overdraft limit with HSBC. I'm about to start digging for statements (which I know I've got as I never throw any of them away) but the actual amount I went over must have been no more than £200 or so. As I was away in London (I live in Canterbury) for a week, I hadn't read any of the letters HSBC sent me saying that I was over my limit and would be charged something like £35 for ever use of my Switch card. Naturally, within that week the charges piled up quite high and in the end I owed over £500 to HSBC. Because I was unable to pay it back immediately, I had to take out a "managed loan" which I'm still paying back and my Switch card was deactivated and replaced with a Solo card that couldn't act as a cheque guarantee. My overdraft was also taken away. It sounds like I have reasonable grounds for a refund. Does anyone agree? Is it best to contact them by post or by e-mail/e-message? I would call them but I can get easily intimidated sometimes over the phone and I don't want to screw up my chances. Thank you. Dimitri