Thanks for that. I do have it all in a spreadsheet already, so will send the list with another letter tomorrow.

Will the standard LBA in the templates list be ok, or should I just simply reply to their letter requesting the itemised list and give then 7 days?

Also, would you think it's best to continue sending the letters to my branch as I have done so far, or is it better to send future correspondance to the address in the letter I received today?

Thanks again,

Cathy

Hi there,

I'm in the process of reclaiming bank charges from hsbc, and would appreciate some advice please.

Sent a DPA disclosure request on 5th Feb, and after a couple of chase up calls, all statements going back 6 years arrived. I calculated the actual total charges to reclaim, and sent a 14 day letter on 20th March. My problem is twofold:

Firstly, I did not include a list of all individual transactions with the 14 day LBA, just requested the total amount. I recevied a letter today (dated 3rd April) stating that in order to consider my request I need to provide a full itemised breakdown of these charges. Is this just a delaying tactic to ignore, or should I supply the breakdown as requested. If I send the breakdown, how long should I give them to respond?

Secondly, I didn't add interest to the amount requested in the 14 day letter, just the actual value of charges I was reclaiming, but now seems maybe I should have (just to clarify, I mean interest on charges levied, not bank interest I've paid for being overdrawn). Is it too late for me to add interest now - if it's not, and I decide to send them an itemised list of transactions, could I also include interest at this stage, or could this pose a problem if the figure I'm claiming in my next letter differs from the initial amount requested?

Any help and advice would be greatly appreciated.

Cheers,

Cathy.