£220 and £140

they have offered already but i havent sent them my spreadsheets yet, so i guess they have already worked out what the charges should be??

ok i have all the charges highlighted spreadsheet time/............... will enter all dates and charges tomorrow thanks again.. dave

ok, will start on those tomorrow. hey thanks for all your advise...... i read on here somewhere that some guy phoned up and they called him back same day with an offer?? what are your thoughts on that?

sorry stansfield i didnt c ur last message ok so i make it about £505.00 on 1 card and £360 on the other card just file the claims for those amounts. these are just late payments and overlimit fees.... dave

sorry im really confused now. so i note down all the interest charges and all the late payment charges on the spread sheet?? dont add interest at this stage and send the prelim letter of?? dave sorry guys im confused

i like the sound of that so i shuold note down all interest charges and all leta payment charges x by 22.2 % and throw that at them.........??? how did you get on with your claim??????? dave

so r u saying i can claim for interest charged?? or ony charges for late payments only?? or only part of it?

ok yeah done that i get them to £505.00 they have offered £220.00 most were £25 charges and they are saying they have reduced them to £12.00 so i guess they aint too far out?????? should i take it and run?????? dave

yes thankyou, will go thru the staements now and add them up i dont add up the interest charges then???? dave

hi guys n gals, advice please....... i sent 1st letter 2 mbnma on 2 c/cards i have with them today recived a letter from them offering amounts refund on both cards, but seems very low to me.......... thye have included all the staements i asked for , but can someone out here tell me what i can claim for seem to be 3 charges coming up every month late charges retail interest charge promotional retail interest charge ??? any help or advice welcome... sure they owe me more than they are offering dave

hi, ok so same prelim letter thanks for that , yea was just reading the phone call saga's i have about 25 c/cards to have a pop at so i guess from reading thru that mbna are the easiest to start with love the settlement times haha dave

hi guys n gals can someone point me in the right direction for all the letters needed to claim from mbna c/card, i think they must be different from the letters we send to normal banks??????????? dave

hey gordon i see you had afew results are some of those credit card companies? dave

hi, justa regular acct seem to have regular " dr interest charges on 5th of each month followed by "total charges on the same date also i see a "policy admin charge" on later staements ???? dave

hi all, ok 10days later.............. 24 envelops arrived today , with all my statements in them..... any advise on to how to proceed what charges can i claim for , are there any i cant?/ thanks in advance for any advice dave :?

do i send to my hsbc branch or do i need to send it to head office?? anybody know or have a correct address for the initial letter dave

hi just reading your post,, sorry cant offer advise to you, but maybe u can 2 me. just about to have my 1st pop at hsbc for bank charges, any advise, which letters n when?? also i have loads of credit cards can i really do the same with them chase them all for money?? dave

hi guys and gals, ok all new to this just spent about 3 hours sifting thru the site and the forums. want to try my look with hsbc been with them since i left school 21 years ago can someone be really nice and let me have step by step FOOL PROOF guide to get this started like: which letters to use and in what order thanks again great site , defo willing to hand over a contribution if all goes to plan............. dave

ok had a quick read thru a few posts, 1st question : how do you know for sure that you are due funds back?????? dave

hi im a new member here, have been told this is the place to be........... to claim money back from years and years of bank charges.............. gonna have a mooch about, but if any1 has advise re this topic please let me know. dave