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Hi guys - thanks for all the great info - nice to know that there are others out there in the same boat. I had a student account with HSBC, and over a 6 year period calculated my charges to be over £4K with interest! Even at the time I had to get out a staff loan to cover my account so I'd stop getting the charges! I'm still paying the loan off 5 years later, hence the decision to claim back those unfair charges!

So far I've calculated the charges and sent out 3 letters (to which I always got FOB OFF letters). I had no offers of any sort so decided to take them to the small claims court. On the 14th day HSBC put in an acknowledgement. On the 28th day (which is today) they put in a defence. Typical!

I'd really appreciate any tips/hints for what to do now - I was really hoping it wouldn't get this far. No such luck!

Also, HSBC are still charging me for going pence over my overdraft - does anyone know if I can add these to my claim??





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Hi Chiggers,


When you finally get to submitting your final claim you can add any further charges.You can also add cost for time.You are claiming for 6 years, if you have charges dating further back reclaim those as well.

Please follow this link to your banks forum and start a thread;


Title your post Chiggers V HSBC

Other members with experiance of your bank can offer informed advice.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.


If this helps please tip the scales,Left,this lets others know if my information is useful.

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This is my first posting!!!

Thank you for a great site. I have got into so much debt and it wasn't helped by the charges I received.

I sent first letter to my bank and have received reply detailing the charges on both my accounts which total £5800+.I am about to request in the 2nd letter my money back. Should I deal with each account individually as on is £1130 and the other is £4680? Any advice welcome.



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Hi Anne


If you combine the claims you will go over £5000, which will take you over into the Fast track side of your court claim. You should try to keep this in the Small Claims area as there are no costs to you.


However people have gone over the £5000 mark before and have asked on their allocation questionaire, to stay in the small track, and have been granted that request. Also are you using your real name here?..




Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 months later...

Sorry for lack of posts recently. Had heard absolutely nothing from hsbc or solicitors. Here is an update:


The Deputy District Judge has allocated my claim to the small claims track. Before the claim is listed for hearing, the judge has ordered that a preliminary hearing should take place - this is to consider whether the claim can be disposed of because the defendant has no real prospect of success at a final hearing. The preliminary hearing is on 2nd August.


The General Form of Judgement also includes the following: "At this hearing the court will consider either a) to stay the claim pending the decision in a test case b) to give directions for this claim to be heard as a test case".


Is this usual??


Since the court date was decided (on 14th June) I have sent two letters to DG Solicitors (by recorded delivery) and also copies of these letters to Mr M Loker, Quality Services Manager at HSBC. I have heard absolutely nothing back from both letters. I have tried phoning DG, but now they have standard divert askingme to send a letter - I don't even get the option of leaving a voicemail. I have also used several direct dial numbers -same thing though! Plus I emailed DG a copy of the letters.


I am now panicking!! Being that the date today is 20th July and the Court hearing is 2nd August. Do you think I may have to attend court???? Worried!


Is there anything else that I could be doing??


Thanks guys.

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