Thanks Michael - I know I have a moral obligation to push this through to the end, but £920 right before Christmas is soooooooo tempting

Right, got a letter back from HSBC today - they've offered me £920 in full and final settlement...... Now I have a dilemna now... I really want to push for the full amount (even though it's only another £150) but £900 would be really useful right before Christmas!! A couple of things which may decide it: 1) if I say yes to the £920, will it stop me putting another claim in the future? This claim was dated Oct 2000 - Oct 2006. Will I be able to claim for Oct 2006 onwards in the future? 2) if I accept the offer as a partial payment, do they have to pay up now, and then it carries on for the balance, or will they only pay out once I accept a Final Settlement? Any advice greatly appreciated - thanks guys. Tim

Nothing newsworthy yet (or any contact at all actually) - LBA sent

It seems to be a matter of discretion as far as the bank is concerned. From what I understand you won't be charged for the first 2 occasions in any 6-12 month period, but if it starts to be a regular occurence then they will charge you. I've been charged every month for last 10-12 months.

I was sent a price list today. These charges take affect from 01/12/2006 Arrangement Fees 1st overdraft in 6 months - - - - - - - - - - free Subsequent overdrafts - - - - - - - - - - £25 Return Fees Up to £10 - - - - - - - - - - no fee Up to £25 - - - - - - - - - - £10 per item Over £25 - - - - - - - - - - £25 per item Managing your Money Stopped Cheque - - - - - - - £10 per cheque Special Presentation of a cheque - - - - - £15 per cheque Paper Statements more frequently - - - - £1 each Copy of Statements - - - - - - - - £1 per sheet - or free via Internet banking Sending & Recieving money Bankers drafts - in sterling - - - - - - £15 each - not sterling up to £100 - - - - - - £15 each - not sterling over £100 - - - - - - £20 each Electronic Transfers: Branch / Phone / Internet HSBC account under £10,000 £10 / free / free over £10,000 £17.50 / £17.50 / free Sameday non-HSBC £20 / £20 / N/A other non-HSBC £10 / free / free The only other fees/charges are interest rates and are percentages - which vary loads depending what sort of account you have.

sorry Nat, what you mean?? I'm happy to help in any way I can. I have a nice little booklet that HSBC sent me called "Price List and Interest Rates" - it's like having a menu... I think I'll have the Stopped Cheque with a side order of copied statements please waiter!!

no problem natty - wish I was a quicker typer though

I was thinking about that same think today Dlr. Although I don't intend to go overdrawn again after this - it's bound to happen, and I have just realised that I am gonna get charges added this month too. I wonder if I can add these to my current claim, or whether I should just do it again? I wouldn't want to make it easy for them by reducing their workload

The 'new' charges are: wait for it..... you're gonna like this..... exactly the same as before!! 1st overdraft request in 6 months - free subsequent requests - £25 return fees up to £10 - no charge up to £25 - £10 fee per item above £25 - £25 fee per item stopped cheque - £10 per cheque representation of cheque - £15 per cheque

coincedance that this arrived 3 days after sending request for repayment?? sceptical? me? never

September 2006 Dear Mr.Harris I am writing with your updated terms and conditions and price list, and I'd also like to tell you about some great improvements we've made to our Bank Account Plus. I recommend that you take the time to carefully read through the terms and conditions. Please pay particular attention to the inside front cover, where the charges are summarised for you. All changes will take effect from 1st December 2006. Revised Overdraft Service I would like to draw your attention to clause 7 of section 2 in the terms and conditions relating to our Overdraft Service, which is an additional service to our current account. Our Overdraft Service is a way in which you can borrow money on your current account, and can be requested from us in two ways, either formally or informally. A formal overdraft request is when you approach us in advance to set up an appropriate overdraft limit for a period of time up to 12 months. Before the overdraft limit expires, we will make contact regarding your ongoing requirements. So if you already have an existing overdraft limit, you do not need to take any action now, although of course, please do contact us if your needs change. An informal request is where you do not contact us in advance, and debits (for example, cheques or ATM withdrawals) which you have issued are presented to us for payment and either there's not enough money in your account or your balance would exceed any existing formal overdraft limit. If we agree to your request the overdraft will be provided for 31 days. If another informal request is received within the same 31 day period, this will be treated as a new request. Fair Fees Policy Our Fair Fees Policy means that we will not charge any fees for agreeing either formal or informal overdraft requests unless they occur frequesntly. * You will not have to pay for your first agreed overdraft request (formal or informal) in any 6 month period. Each further request in that period may incur an arrangement fee of £25. * You will not have to pay fees for being overdrawn by £10 or less. * You will not have to pay more in fees than you are overdrawn by in your charging month. * You will not have to pay a fee for an informal overdraft request if your account is credited by the end of the same day. For full details of our fair fees policy please refer to the enclosed Price List. Many customers find our Overdraft Service invaluable. However, an overdraft is generally intended to cater for short-term borrowing. We will be increasingly contacting those customers who are making regular overdraft requests, to discuss their borrowing requirements and see if we can help further. The letter then goes on to talk about the benefits of paying £9.95 per month for Bank Account Plus. Yours Sincerely Chris Pitt Head of Customer Communication

Hi All, I have just received a letter from HSBC stating that they are changing the terms and conditions of my account with them. The main point of this appears to be to change the overdraft facility and penalties/charges are now "set-up fees". I'll post the full letter, word for word in a sec, but just wondered if anybody else has got this, and what affect (if any) this has on our claims?

and changed my sig to reflect this

ok, thanks. It's on it's way

Right, well I finally worked out that HSBC have taken £1073 that is mine. Gonna send off my initial letter "request for repayment" tomorrow. Only thing is should I send it recorded???

Hello all, Just thought I'd start a thread with my details in to show that I'm starting the process today! I have printed all my online statements for 6 years (my boss thinks I'm wasting trees - but he is interested in the outcome!!). Gonna be a couple of days wading through to find the charges, but it will be worth it in the end. Fingers crossed it will all be sorted by Christmas - won't that be nice!! Happy hunting everybody. Tim