Lateralus seems to hit the nail on the head

Hi,this "TOTAL CHARGES" caused me a headache aswell.Check out this thread.http://www.consumeractiongroup.co.uk/forum/hsbc-bank/52861-hsbc-online-statements.html

Here goes mate thanks for your help. Ian

Thanks very much,you have made things a lot clearer.I am claiming both for my personal and business account,which i am doing seperate claims for.The total comes to just over £3k.Thanks again Lateralus,your a star Ian

You cant claim back debit interest and activity charges that are included in the total charges.They have to make things so bloody awkward dont they

Hi eggy,didnt you itemise your schedule of charges though?.I was told to itemise everything seperatly eg, charge £10.00, date 12 dec,description reversal of standing order.What did you put in the desription part of the spreadsheet for the total charges?. Ian

I have been trying to work out how much i can claim back,but with the online banking statements.You dont have the breakdown of (total charges),which are for Acivity/Debit interest and exceeding your overdraft.I can itemise the (charges) online,because they have the breakdown e.g reversal of direct debit etc.Does this mean i will have to send off the data protection act letter,so i can itemise everything on my schedule of charges?.I have quite a lot of charges for exceeding my overdraft,my total charges come to more than the charges for reversals.Please help Ian

Hi,i'm trying to work out my charges with HSBC,but when i am looking at the statements online.Do you add up total charges or charges?.Thanks for any help. Ian

Hi Westy,i think i need to speak to someone that has claimed,who are with HSBC.I need to find out how they itemised total charges from the statement.I had a look at the link at top of page about total charges,and it says that it is for going over my overdraft limit,which what i ment in my last post sorry.Maybe i should get my statements via data protection act, will i get more info.Maybe it doesnt itemise total charges online.Stuck at the mo,busy in work aswell,and cant put the time that i need to into this.(getting frustrated)~)

Hi westy,I've been getting statements online.If i click on (charges) it's got the item e.g (reversal of so/dd) etc,but if i click on (total charges) the item is called total charges with no more info.From reading the statement and charges link,i have found out that (total charges) are for going over your overdraft limit.On my spreadsheet under description of charge i have been putting (overdraft charge) not just (total charges).Someone please give a bit of advice on this one.My oppinion is that the data (i am) supplied with from them,should be good enough for (themselves). Regards all, Ian

Well i've been checking out the spreadsheet,but because HSBC also use the term Total charges (exceeding od limit).I am not sure what to put in the description of spreadsheet,should i put just total charges or exceeding overdraft limit?.A lot of people dont know and have'nt been able to give much advice on this term (total charges).I could easily of gone wrong and just added up the total charges,just like some nice lady told me to do from HSBC.If your about to work out your charges and are new like me,(charges) and (total charges) are two separate charges.I think it needs to be made more clear to new users,HSBC users for sure.Be grateful for a bit of advice on the spreadsheet as to regards this matter.

Hi Steve,thanks for the kind advice.I have managed to get my statements online,i was going to highlight the charges,and send with prelim letter.Would that do as my schedule of charges,and do i still need to apply via data protection act for the charges?,or will the statements that i have do?.I will send one letter per account,i hope that is correct. Regards Ian

Hi everyone,well what a great site this is i'm glad i found it.Well i'm going to start back from friday 1 December.I got up around 7 am picked up my post (more charges),and was getting ready to start my day (I am a self employed grounds man)trying to run a business with no overdraft.I watched a peice on gmtv on how you can claim back bank charges,after a quik search on the net,i found this site.I have been reading the threads and info,been finding hard to take it all in (so much to think about).I am going to send my prelimenery letter tomorrow.I have 2 accounts with HSBC,business and personal,i found it a bit hard to work out the difference between the Charges and Total charges on my statement.I phoned HSBC and was told that all the charges applied were in the (Total Charges),NOT TRUE.Charges are reversals of dd so etc,and Total Charges are for going over your overdraft limit.Maybe HSBC are willing to say anything these days(they must be worried )http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html.I feel like one of the late one's to take this action and have heard it is getting a bit harder.I am also a bit concerned about having a managed loan on both accounts,but if i get the money back it will almost cover it.I have worked out on my personal account i am owed Total charges £896.56. and Charges £1.436.00 making a total of £2332.56.My business account Total charges £444.93 and Charges £486.00 with a total of £930.93.This brings my complete claim to £3.263.49.I understand i need to send different letters for business and personal account.So this is where i'm starting and will be posting every step of the way (wish me luck) and thank you CAG for all the template letters would of been lost without them.HSBC here i come grrrrrr!.