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I'm really struggling to get my head round how to calculate the interest that is to be applied to my claim. I have read the notes in the faq, but still confused. I am currently filling in my online claim forms and could do with some help. They owe me £1752 since Jan 2003, do I calculate 8% of full amount from this date or do I do it month by month? and What about the daily rate? MODERATED post moved .... please keep to the one thread , this is for your benefit and the benefit of everyone following your claim

seem to be at the same stage as you. Been told all charges are fair, will be filling in money claim form on Wednesday, they might then start to actually do something rather than just fob me off.

I sent my first letter asking HSBC to return the £1584.00 of charges (mainly for going over overdraft). Their reply says they do not agree with my contention, and in their terms and conditions it clearly states the charges. They also say that even though this letter is not the response i'm looking for, if I still have problems I should contact the Financial Ombudsman Service (they kindly enclosed a leaflet) as this is represents their final response on this matter. What should I do next? Write another letter?, contact Ombudsman or start legal proceedings?