As the amount you are asking for is quite small, have you considered opening a PayPal account? That way the money gets to you speedily, and you can (usually) spend it where you wish.

My own view is that when I win, I would like to make a %age contribution so that the group will be able to help others. Clearly the money itself would not be viable, so I will ask for a list of books required at the time, and will personally go out and get them for you (within reason of course...)

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

You're right - it's a word for word lifting from the MSE article...however, they appear to make it all a statement of fact without the rider that people should seek qualified advice...

I can imagine a lot of people responding to this programme without thinking through the repercussions...still, if they are directed here they will get a good ear...

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Application made (7 days to find out...)

An interesting point to note: during the process there were questions regarding arranging an overdraft. It stated that there was an 'overdraft arrangement fee' of 1% of the overdraft (minimum £15). I take this to mean that if I go over the limit, it will cost £15 to 'rearrange' my overdraft.

Could this be the £15 mooted elsewhere on the boards that the OFT would consider imposing as 'fair?' If so, it certainly beats the £25/30/35 charged by other banks, and whilst not reflecting 'true' costs, is certainly more bearable.

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

I was considering opening an account with them (something I have mooted for many years but never had a compelling reason for...until now)

That said, they have maintained an aura of being an ethical bank over the years, and they are certainly 'socially aware' - will investigate.

Thanks.

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Hi,

Much is made that it would be prudent to open another account in case the bank you are claiming from decide to play rough. This is sound advice. Is/are there any banks that are exempt from making these outrageous charges - i.e. are there any banks that no-one is claiming against, because their charges are 'reasonable'?

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

That sounds about right - interesting to note that someone mentions charges in the context of terms and conditions. As mentioned elsewhere, the Ts & Cs are only legally enforcable if the law decides that is the case...

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Aaahh - I'm new here, so didn't put 2 and 2 together. Nevertheless, the fact that it is starting to get national coverage can only be a good thing...

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Hi,

This is not strictly a Lloyds thread, but the thread continues onto Lloyds...this appeared on Sky News yesterday:

http://www.sky.com/skynews/xml/article/0,,91070-1142357340,00.html

Interestingly he only complained about a £32 charge and ended up with £5,000

Additionally I have just heard on the radio of an accountant winning the right to send the bailiffs into the bank to recover charges (although I think this was Lloyds TSB)...more to follow

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Hi,

I'm not an Abbey customer, but this appeared on Sky News yesterday:

http://www.sky.com/skynews/xml/article/0,,91070-1142357340,00.html

Interestingly he only complained about a £32 charge and ended up with £5,000

Additionally I have just heard on the radio of an accountant winning the right to send the bailiffs into the bank to recover charges (although I think this was Lloyds TSB)...more to follow

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Hi Bank Fodder,

Clearly the forum is moderated as my previous two posts have now disappeared.

I can fully understand and accept the customs, and your explanation that some threads are effectively two-way conversations clarifies a point and is understandable.

In the future I will create my own threads whenever I wish to post, and will refrain from replying to other threads, even when my reply would be clearly relevant, as I believed to be the case here. I do not wish to see huge, bold, red comments again.

Regards,

Adam.

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

PLEASE START YOUR OWN THREAD, YOU'RE HIJACKING SOMEONES ELSE'S.

Hi,

Following the exposure of Bank Action Group through the MSE site this week, I have decided to give it a go myself.

I am an HSBC customer, Adam.

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.