My God HSBC really are full of it arent they?! Some guy sweating it out in the HSBC legal office trying to fit as many loop-holes and get-out's as humanley possible into one letter... Fight the good fight Spiceskull!!

This man is a legend for referring me to this site! "Reclaim the Right" buddy! we're all rooting for ya!

Definately an inspiriation and your selfless enough to help others out too! well in Barney!! When i have my day and the dust is settled and i have MY money back in MY pocket i will be writing a cheque to this site for being good enough not to try and charge the people using it for some easy money! Oh no, hold up, that's the bank's job.... Good Luck Barney we're all rooting for you! Al.

I cant wait be where you are now my deary, waiting for the initial response from them! Good Luck!

Yes very wise Dude, i've been with them for twelve years so it would be a good idea to keep things cool on that front with them and i do intend to still keep my account. my main gripe is just the way they make decisions on agreeing overdraughts and things and the way the charges are applied to accounts, which just seems a tad inhumane. I've called them in the past to protest against the charges that i feel are unfair on my account but have always been met with an almost laughable response which is pretty much what i expected, hence, my joining this fantastically useful site! Just to add that i have today checked my account (as i do every 25th which is hsbc fee's day for me!) and they have taken 100 pounds out of my account for charges meaning that i have gone into an overdraught that wasn't agreed, which they will no doubt charge me for next month!! How do i win?! i have to pay my rent by next wednesday and have only my payday on friday as my source of a meager weekley wage(well, i am a skint musician with a job that's underpaid but that's not the issue! lol) Also, get this one, i have a managable loan with them which is basically a loan they made me take as i had messed up here and there financially and been the victim of a [problem] when i sold some musical equipment a few years ago(i lost about £2,500 and was completely oblivious until i got a call from the bank!) I tried to get it looked into but i was told that it wasn't really their problem and had to consolodate a couple of credit cards and another loan and then the 2.5k that wasn't even my fault into this "managable loan". Regarding when i was scammed, it happened about 3 years ago and the money cleared by cheque into my account, i paid the person i had sold the musical equipment on behalf of and kept about 300 pounds profit for myself being the middleman. so all was good until the cheque bounced after it was past the clearing period!? i asked if it had cleared and they said yes so i withdrew it over the counter and got a call from them a few days later, it's not as if i could ask the guy i had just paid for the money back as he had sold all his music stuff through me! i never told him either through embarrasment and never managed to find out about the guy that bought it, it was done through the loot and a meeting was arranged once i had the funds cleared and all that, i was the one worried that he thought i was gonna rip him off so i didnt really think to check him out as i figured money is money and if it's cleared then he could have the equipment! how naive i was!) so ill be paying off that loan of around12k (inc ppp i think!?) for the forseeable future(8-10 years) at £150 a month(which is all i can afford at the mo, but it was me who messed up so ill take it on the chin and somehow, at some point, ill get rid of it!) but here's my main gripe with them: I'm now 27 and have been in paid work since before leaving school and have always had an account with them(obviously, being midland beforehand) i went to college and worked pretty much full time hours throughout, then going onto normal paid work after college. Every single bit of that paid work has gone through HSBC for 12 years non stop, every week or month without a break of more than a month. So they know i do have funds and i can sustain them, but because i have a managable loan with them they wont give me even a £50 overdraught!? I couldn't believe it when i spoke to them regarding wanting to get one because i am paid on a weekley basis and sometimes, something has to be paid midweek or whatever, you know how it is. but it seems that as i had taken this stupid loan i am now ineligible for even the minutest of overdraughts or even some lee-way regarding short-term overdraughts for a customer who's clearly in a position of financial difficulty and also them knowing that i consistently have money going into the account. but i often wonder what i would do if could go back in time and had the chance to explore other options really, lord know's... Well I am terribly sorry for rambling on and moaning for so long, just thought i'd give you guys the lowdown on my history with the hsbc. i also hoped i havent said anything that could be construed as liable or anything,i just tried to explain how it has affected me really but if i have said anything just let me know. thank's all for reading this far and also caring about the other people who feel they have been mistreated! "Reclaim the Right!" Al.

Excellent thank you guys, you have certainly put my mind at ease with regards to them taking furth action against my account. In a way i am lucky that my only commitment on that account is to them. Right so, once i have set up my parachute account then ill be ready to do battle! Barney and Angela you are both stars and ill certainly be keeping an eye on how its going for you. thank's for the advice with putting the extra bit in the prelim and stuff too barn. watch this space..... Al.

Hi there I was referred (by a jubilated friend) to this site just over a week ago and have been reading the faq's and other cases against HSBC and feel it will soon be my time to "Reclaim the Right", so first and foremost a real big mention to all of the people who post and help confused people out, i think you are doing a sterling and selfless job. I went through my online banking the other day and totalled it all up and in the end i have a figure around the 3k mark over the last six years(I also couldn't believe the fact that between Oct, Nov and Dec '03 the charged me a total of £494, at Christmas?!) Anyways, i kind of understand the process and am just weighing up the options as to how far i am willing to take it as i have a managable loan with them for about 9k which i'm scared they could call back, i dont own a property so i dont have that to lose but are they likely to do this? any advice would be appreciated. Before i do anything i'll have to get a new account and re-direct my wages so they cant get me that way.(the only bill that comes out of it is the standing order to them!) Also, I'm unsure if i can print bank statements from my pc but if i can then could i use these instead of the initial Data Protection stage and move straight in with the Prelim? or could i produce a word document with a summary of dates and amounts as they do hold all the details anyway?