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I know I don't have to, but I would like to to show that I have done some research and that I'm serious about the case.

Firstly I'll explain my case so far, I wrote to Phil Beaumont at HSBC a couple of weeks a go to claim £1288 in charges and yesterday received the following reply - ------------------------------------------------------------------------------ "The bank does not agree with your contention that the charges that have been imposed are unlawful and are therefore unenforcable. The contract between the bank and its customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section2. If you authorise a payment that would, if met by us, lead your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service. Our fees and charges are clearly stated in our published price list and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account. Whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the banks position. If you are not satisfied with the bank's response you should now refer your complaint to the Financial Ombudsman Service, as this represent our final response on this matter." ------------------------------------------------------------------------------- I plan to reply to this letter quoting any passage I can find in a legal statute that refers to the legality of disproportionate charges and asking for proof that these charges are not disproportionate. Any advice on where exactly to find such a quote? I've had a brief look at the statue library on here but have been unable to find anything so far. Thanks for any help you give me.