this is a great post, i have just sorted out my AQ tonight, shall await a nice offer soon

enter the total amount on this account, i have seen other posts on here that you can claim from the time 'you are aware' of the unlawful charges. quibbling over a few days after 6 years would annoy a judge in your favour if the banks 'actually' took you to court. Also its easier to remove it to be 'nice' than add it in later.

Hi Netty, would a nice letter be best sent to the branch or back to the 'public relations' team? would it be worth sending it to the solicitors? I am a bit wary on the time scale as they haven't entered a defence and ?(i think) i win by default if nothing is submitted by the 28/2/07 (ie tomorrow) They have now put a charge on my joint account so I will be unlawfully charged £94 by the end of March.

hi lateralus, the price list from the court was: Starting your claim To issue a claim form where your claim is for money only and the amount is: up to £300 £30 £300.01 - £500 £50 £500.01 - £1,000 £80 £1,000.01 - £5,000 £120 as my value is now closer to £1500 it falls into the £120 bracket. I have added it to my claim amount and i am positive i will be getting it back regardless, thanks for your concern One question i have is the HSBC has charged me another £50 overdraft fee due to be unlawfully claimed on the 26/2/07 I don't think i can add it to this can I, so do i send them a nice letter asking for it to be cancelled or send a letter to D&G?

ok, the £111 has been taken and 'paid for' i have sent the MCOL on the 31/1/07, D&G have filed an Acknowledgement of Service on the 1/02/07. I have until the 28/2/07 until this finishes.

I have sent my first letter on the 13th of December recorded delivery. I got a lovely letter back with a 'terms and conditions' leaflet in it, Thanking me for my letter and stating they will investigate and might respond in 8 weeks. 28th of December I sent my 2nd letter, the 'Letter before Action' giving them a further 14 days to repay my fees. This means HSBC has until the 16/01/07 to repay my unlawful charges. Both letters have contained a full break down with date, amount and statement description. On the 13/01/07 I recieved a nice letter from Colin Langdale asking for a full breakdown of the charges in the format of date, amount and statement description so the HSBC can clearly locate the relevant charges. He requested I include any charges I may have recieved prenotification of also, indicating he has inspected my account and is aware of the 'Total Charge' of £75 the bank added on the 25/12/06 and £111 for the 25/01/07. To file against HSBC in court is going to be £120 in court costs so I am going to give them until the end of the month (when I get paid) to resolve this nicely.

Hi Dolfos, Sounds like HSBC have finally pushed you into going to court, I hope this means you are going for the full amount including the 'total charges' they kept arguing about? Good luck and keep us posted

I have perused this forum for a few months checking out the success stories and seeing everyone get nervous but eventually succeed against the evil multinational institutions. I have seen a few newspaper and magazine arcticles and watched the money Programme 'exclusive' that directly referenced this site, and misquoted it too. I opened my student account when I started uni, HSBC was ecstatic when I had a fat £1500 overdraft. When I graduated they offered me a graduate loan to get 'bits and pieces' I have cleared my overdraft twice using the lower rate loan only to be talked out of having it removed as its 'interest free' period was for a couple more months. Its now been 2 years and the fee's and 'service charges' have just been racking up from £25-£75 each month:shock: . I have sent off my first letter claiming back just over £1000, its a startling figure for just 6 years of banking. I'm going for the full amount, the banks don't pull their punches, I don't see why we should either!

Hi there, I'm sure I have read this somewhere but can't find it after days of trawling, when you first send a letter to the bank asking for your statements and credit history you send a cheque for £10, who is this made out to? the banks general name or title or is there a certain 'team' or agency that gets the cheque?

who do you write the £10 cheque out to? I have read they usually send it back to you anyway but O don't want to give them any excuses.

I have entered my PIN incorrectly 3 times and had it 'locked out' I called the HSBC to get a new pin issued, they advised it would 'unlock' after 24hours. It has done exactly as stated but is a great hassle! i would rather sign for my goods or have a photo of me on the card to prove I Am Me