Cheers Iggy, It seems I'll have to postpone this attack until I've re-done my spreadsheet. Dunno if anyone can help in another matter of mine.. I've got my statements via the online way. I've then compiled them into an excel spreadsheet (one for each year to make things easier) and to find the charges I'm doing a "find" for the word "charge". Knowing it might be called something else I've searched for other words (such as "card" "misuse" "interest" "return" etc, including misspellings and shortening), but, other than "interest" none of the others have found anything. I've also had a scan by eye through each of the spreadsheets. My worry is that I vividly remember having a statement (or checking my current online one) which shows a "card mis-use", however this doesn't show on the online statements in the archive. Now would it be that they have been re-named as just "charge" as there are quite a few of these? I don't want to miss anything out.

is there any way of getting the right spreadsheet without having to register with google? Sorry to be a pain, but I'm already registered with more websites than I can remember! Ps. which one IS the right spreadsheet?

I'm now a little confused. It seems it was a good thing that I had to work through my lunch and therefore could not send the letter yesterday. Firstly, which one is the best address to use? Canada Square or Colin's? And if Canada Square, then to whom do I address it? Secondly, I added the interest to the letter, because that is what the letter says (unless it has been updated since I downloaded it, just before christmas). Also on Martin Lewis' site it says the following: Charge interest on top If you won via the courts, you would be entitled to add 8% interest (not compounded) on top from the date you were ‘first deprived’ of the money (i.e. the date of each charge). Therefore you may want to ask for the interest as part of the initial claim. It's important to understand that you are not legally entitled to interest unless you win in court, yet all prior letters are a tool of negotiation; think of it a bit like haggling. I'm assuming the initial claim is what I'm about to send??? Thirdly, is Martin's spreadsheet not good enough? And I hope I don't need to do it all again? Cos it took me ages to go through that one! I'd appreciate any response asap, as I've spent too long checking everything and am worried that any day now there'll be a thing in the news saying "if you haven't claimed by now, then don't bother!". :-| Cheers, Mark

Starting my attack today. Got the charges worked out (didn't need the 40 days letter, as mine are all online). Did the interest calculator (as seen on moneysavingexpert.com). Found the address to send it to (which has varied, but a few accounts suggest: Colin Langdale HSBC Bank plc Service Quality Team Arlington Business Centre Millshaw park Lane Leeds LS11 0PP Although I have another letter ready if anyone has any further suggestions, however I'm guessing that sending more than one letter might complicate things?) Well, am about to post it (recorded, of course), so wish me luck! M