Yeah, you are very much entitled to this money, although i would write to them to refuse this offer you had, (this i thought was the hardest part), but make sure that you tell them you are going to claim this other £190. as well and are going for the full refund. James

I dont think there is any specific way in how the banks deal with people, but take it on board that i recieved a very decent offer, first time, by using the CAG Labels that you can buy on this site.

Hi rachel1983.. I sent two letters, The Data act disclosure, which they took plenty of time sending me my statements, Im sure it was the full forty days, but they did however refund my £10!! And the Request for payment, which They actually took more than the full 14 days notice to reply to me, but at least made a decent offer. (ONE THING TO NOTE IS THAT I DID PURCHASE THE CONSUMER ACTION GROUP STICKERS, AND PUT ONE ON MY LETTER, AND ONE ON THE ENVELOPE, YOU NEVER KNOW THIS MAY HAVE BEEN A CONTRIBUTORY FACTOR!!)

Well I never...... At the cost of two stamps and an hour or so of my time, I have finally received an offer of £1093.00 from the bank, only £100.00 short of what I asked for, this they claimed was for Interest reasons etc. but as I am moving house I accepted the offer so I now dont have to worry about finding that extra cash for an emergency, and put it towards something useful. My gratitude goes out to all those who have posted on this site, and those who have helped me with great support. If your going to do it - read what you can on this site, it certainly helped me.!! Take care all, and keep at it. James

Errrmmm...Actually not sure about that. Possibly my mistake. I think its an HSBC number for their reference!! I recieved an email to myself after I chased them up over getting my ststements to me on time. Good Spot though..!!

Hello all. I have been following the steps advised in all of the threads around here, and all in all things seem to be going well. I have recieved all my statements off HSBC for free, and gone through to when i opened my account in Jan 2002. Seems I am owed £1,550.00 I am sending my letter before action this week with a copy of the breakdown of charges etc. from the library (really handy!) I will let you know how i get on.. tata 4 now James