Phil, interest isn't relevant yet. All you are listing (and adding up) are the charges themselves. A list of charges, with their description (probably 'TOTAL CHARGES') and the date is all that is required. This will allow HSBC to cross check with their own records - I assume they do this! Your schedule of charges can be your own spreadsheet, or even a Word table. It will probably look something like.... 01/01/2001 TOTAL CHARGES £25 02/01/2001 TOTAL CHARGES £18 03/03/2003 TOTAL CHARGES £20 ============================ TOTAL £63 So, in response to your questions... 1. No interest. 2. As above, done in spreadsheet if you prefer. 3. Your description need only be as good as theirs (My on-line descriptions were all 'TOTAL CHARGES') Enjoy.

It won't affect your claim.

The "no manual intervention" response is standard. There has of course been no manual intervention. Your request just pre-empts a defence. If they really have removed charges from the statements they sent you then that is a very serious matter. I would be very surprised if this had happened. Whilst they may aim to confuse and intimidate, witholding/altering information you are legally entitled to is quite a different matter.

I doubt it will be a problem. They are likely to either not respond to your LBA, respond with a standard 'go away, our charges are fair' response or make you an offer. If it's either of the first two, have your spreadsheet corrected for the next stage. If it's the third option, if the offers acceptable no problem, if it's not then get your spreadsheet correct for the next stage.

Finished. Progress: 1. 18/07/2006 Subject Access Request letter sent recorded delivery. 2. 26/07/2006 Received response. 3. 27/07/2006 Sent Preliminary Approach for Repayment (recorded). 4. 16/08/2006 Receive offer worth approx. claim on 1 account (of 2). 5. 19/09/2006 MCOL filed. 6. 21/09/2006 Offer arrived (too late, MCOL started). 7. 18/10/2006 Offer arrived. Acceptable. 8. 19/10/2006 Offer accepted (full & final signed)

I'm finished. I received an offer 3 days before the MCOL 28 days expired, offering full payment plus court costs. It didn't include interest but as the amounts involved are relatively small I'm happy with the offer. Interestingly I got the court AQ a day or two later telling me HSBC had entered a defence.

I received something. It has no bearing on the past though, so worry not. (If anything, it's an admission by HSBC that their charges WERE unfair so now they're changing them)

You don't need to send them all your statements. Compile a list (or spreadsheet) of dates, descriptions and charges with a total at the bottom. One page, cheaper to post, easier to read.

'Total Charges' you can't put anything else really. Don't worry, I had the same concern. Don't forget Total charges is not a total of all the other charges they made that month, they're as well as.

You can still claim the charges back. Can't advise on the rest, sorry.

There's a good chance they arrived. Either way - you need to send them a breakdown of charges, not 6 years worth of statements!!! One sheet with a list of the dates, descriptions and amounts of charges, with a total at the bottom is all that is required. Personally, I would send the page I describe with a covering letter saying the last one got lost in the post.

Standard procedure. Send DG the information they request.

Contractual interest isn't relevant until you get to the court / MCOL stage. Your initial approach and LBA should be for the £4k.

Is it worth claiming? The bank thought it was worth taking off you. Whether you think it's worth having back is entirely up to you. Not sure whether it effects the banks response or not. Logic says they'll pay out and spend as little time on it as possible. But perhaps they think the same - as it's not a large amount you're probably not that bothered. I would start a claim and expect an offer in excess of £250. That would do me. p.s. if you don't want it, I'll have it.

yes you can claim. They have always returned cheques anyway. Perhaps you should write requesting statements and enquire how they would like paying. They'll almost certainly write back with the information you request and tell you payment isn't necessary.

Banks normally have some sort of holding account for such funds. I don't think court action should be required, I would ask HSBC what information they require in order for them to be able to trace the money. (Unfortunately I don't know anything about ARN numbers). I had something similar a couple of years ago. Turned out the sending party had transposed a couple of the digits of my account number. I think we traced it using the date and the sort code / account number of the other party.

At least HSBC seem to be moving in the right direction (charging fees that were many times the amount you went overdrawn was clearly indefensible anyway). Lloyds TSB, I read this weekend, have just put all their charges UP and removed the buffer. 1p overdrawn means charges. Either a) Lloyds believe they have some way of defending these unlawful charges, or b) It's some serious brinkmanship and they think people must believe they're lawful or they wouldn't be allowed to put they're charges up?

When you took the £775, did you tell them it was part payment or did you sign the full-and-final settlement letter?

stall, It sounds to me like you're an intelligent person. Everything you've done so far is fine. I reworded very small parts of mine to fit my circumstances better but provided you don't stray too far it's all fine. 14 days. That's what you specified in the letter so that's what you should stick to! (making me a hypocrite as I always left an extra few days)

yes.

They seem to ask everyone for the breakdown of charges. I wouldn't worry about it. Have a moan if it makes you feel better but it makes little difference and they won't be terribly interested.

I sent my DPA to Leeds but London should be just as good. I would make the cheque payable to HSBC Bank PLC, though it will be returned.

Personally I would do nothing by telephone. If you have their response in writing they'll probably be a little more careful what they say. If you have requested in writing your statements (and they have received your request) you should complain to the Data Protection people. As they claim not to have received your letter and presumably you didn't send it recorded delivery I think you'll probably have to start again, sorry. I would write again and point out that this is the second time you've requested the information. Hand deliver it to your local branch or send it recorded delivery. (the latter would be my personal preference)

I think overdraft interest can only be included if the overdraft was only due to unlawful charges. For most, these can be difficult to calculate and probably not worth the hassle. You can however charge interest on the fees themselves at either 8% or the contract rate - which is more like 25%. I have gone for 8% but amounts involved are relatively small.

I think the individual in the branch is probably just incompetent. I can't see it being a policy decision.