This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

After sending the initial letter, HSBC have wrote back and offered £565.00 of the claimed £617.00 in full and final settlement. I think I should take it....should I?

HSBC have taken £667.00 in the last three years as "administrative charges". I have sent the preliminary letter (Wednesday) with a slight-modification "I work at a legal office that has succeeded in virtually identical claims for unreasonable charges, and that also has no hesitation in pursuing a similar claim against you." Not sure whether this will make any difference or not, but it's worth a try.Maybe they might take me more seriously if they know that claiming would not cause any costs or too much extra effort from myself. Anyway, I received an e-mail yesterday saying that they were delaing with my letter and would let me hear from them - that seems a bit too courteous for HSBC! Wish me luck. Emmalou

New member of this website. I'm with HSBC and have a debit card with them. They charge me £25.00 for every overdrawal I make, be it £10 or £50, which they explain are "administrative costs", i.e. sending an automated letter. Interestingly, they will not let me have an agreed overdraft that excludes such charges as my credit rating is to low. Surely if my credit rating is too low then I shouldn't be allowed overdrawals at all. Would these charges be deemed unreasonable?