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Who do I send my claim to? Branch?

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do you want to add overdraft interest, this would be the time to do that.

as for where to send your preliminary letter, branch is just fine, it gets sent on from there but that is perfectly ok.

here's something i wrote to help with the interest thing:

ok, take it from the top. you have all your statements for the last six years, right. go through them and mark all the charges: Charges description on statements - Please Read this is the list of charges you can claim for. now, next to those charges there is often an debit for "interest". so, as you are marking all the charges, mark all the interest items as well. look at everything with a DR next to it, if it is on the list in the link, mark it, and all the interest with DR next to them.

then, go to:6. Interest calculation spreadsheets go on England, Advanced - Works (or excel) to get the spreadsheet. now, at the bottom, click on Charges & Interest. this will bring up a blue and yellow spreadsheet.

start with the oldest item marked on your statements and start entering them, the date listed on the statement, next column the charge - just call it exactly what the bank called it and next column put in the amount.

when you come to an interest one, move tab to the right hand side and put in the date, the interest, the balance at that point (here i will tell you that if the balance is in the minus numbers, a portion of the interest will go onto the spreadsheet - if you are not in negative balance - nothing of that interest will be added - so you will only see an amount come up if you have a negative balance at that point). as for the agreed o/d amt.

(i don't think this column was in there when i was doing mine - so try leaving it blank - if this messes it up - you will have to ask someone else what to do with it)

proceed through your statements from the oldest to the newest adding on all the charges and interest debits. you will see a total emerging, one on the left side and another on the right side. at the end those are the "you have taken £XXXXX(left side) plus £XXX(right side) which you have charged me in o/d interest.....total £XXXX.

That's about as clear as I can make it - i don't claim to understand it - it just worked for me. This is the information you will need for your prelim. letter and the spreadsheet is your schedule of charges.


more info but not for the prelim. and lba letter:


when you have the spreadsheet done that far, you can click on the 8% button at the bottom and reenter it all again with the date (put a date about 30 days from now - that way, it will be figuring your 8% interest that you can add at the mcol stage at about the same date as you will be filing) it figures the 8% for you based on how many days have elapsed since you incurred the charge. this gives you the 8% interest you will add when you file your mcol.


again, i really never understood what i was doing - just followed the step by step instructions at the top of the site and honestly - the spreadsheet was pretty simple - even for me and i'd never done anything like it before.

good luck with it - you'll soon be ready to send that prelim and you'll be on your way to getting it all back!

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I know I sound like a dunz but I dont think I am going to bother with interest - I have a demanding toddler at my feet and just want to get the prelim sent off.


Thanks though

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certainly your choice, but you will have to do the spreadsheet to find out the 8% interest when you add it on at mcol stage. i understand that the simple s/s for that interest is a bit easier.

good luck with your claim - again, just start at branch level, always send recorded delivery, keep reading the faq to know what's coming and ask if you need help.

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I have just higlighted 6 years of stats - total £1265 :eek:


It says on correspondance to start complaints at branch level? Does anyone know of a better address?






The best address is:-


Head of Customer Relations,

HSBC plc,

8 Canada Square,

Level 36


E14 5NQ

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D



if you found this post helpful, please click my reputation, thank you


(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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