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Help please - need HSBC T's & C's


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In light of the recent Lloyds TSB case that went wrong, I am trying to find an older version of HSBC's Terms & Conditions, issued at any time during the period June 2001 - March 2004.




1. Want to know what their contractual interest rate was for unnauthorised overdraft.


2. Want to see whether they called unauthorised borrowing penalties "charges" or "fees"; it seems this might be relevant and affect the outcome.


3. Want to know whether I can claim that I was in breach and therefore the charges were penalties.


4. Want a copy of the T's & C's to include in my court bundle.


If you can help - thanks in advance.

Lloyds TSB - £3,300.00 + £250.00 from FOS.



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