I am in the process of claiming from HSBC, First Direct you can look at the sample letters on the Which banking charges web site, i have slightly modified these and so far have received an offer of £260 from First Direct. Ive refused this and sent a stiff letter telling them i will take then to court and so far ive given them 10 working days to reply. Ive received an reply from first direct that they are taking this last letter seriously and that i will receive a response.