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An unexpectedly quick response, HSBC have acknowledged the claim on Weds 29th and have marked that they intend to defend all of the claim. This gives them four weeks from the date the claim was served to file a defence, I believe that this will either be the 25th or 26th April, which means that I've got around a month to wait if they decide not to defend, and if they do? Thats when the fun really begins I suppose... I recieved postal notice of the above from Northampton County Court today, got to be honest the nerves are starting to set in a little however I am still 101% committed to following this through. *edited after I worked out the final defence date*

OK, so its now exactly 2 weeks to the day that I have recieved any communication from HSBC, and yesterday my second deadline passed. The money claim was entered yesterday and is deemed to be served on 2nd April, HSBC therefore now have until 16th April to respond to the claim (but as this is Easter Sunday they basically have until the 18th). I'll keep you all updated with any developments however i'm not expecting any until that date! I've also sent an email to bank action HQ for the litigation section.

can I ask who it was you emailed?

In five days the deadline runs out and the claim goes in. Unsurprisingly I have not heard from HSBC since the 'we are investigating' letter... I have prepared the moneyclaim, as follows: On the moneyclaim website it recommends including the following paragraph: "The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of ???? {enter the daily rate of interest}." However I am have not included the second half of the above paragraph as I am not claiming a daily interest rate after the initial calculation of £100.14 interest. Is this OK? Also if anybody has any tips or advice on the text above, it would be appreciated....

claim for them all regardless of the amounts, I have some amounts on mine that alter with time - it does not make a difference though as they all count!

rai, there is no way on gods green earth that you were refused a bank account because of a letter you sent to a different bank. I have a very poor credit rating but successfully managed to recently take out a Halifax current account in Jan (I have a HSBC account too), perhaps you may be worth trying them. Be careful how many you apply for though as current account applications show on your credit record, just as credit cards do. best of luck!

OK - Thursday 16th March, time for the final letter before action which will be sent tomorrow and recieved by HSBC either Saturday or Monday... I am again sending the letter to Canada Square with a copy to Aintree (my branch). here goes: my determination to succeed is now stronger than ever!

..... today I have recieved the following (somewhat confusing) letter... Now this letter has arrived with a Swansea postmark and refers to my one and only telephone call which I made to Mr Deans on 7 March, however Mr Deans told me that he was 'closing the case' and that I should write to the Canada Square (London) Customer Services address if I wanted to take this further, which is why I find a follow up letter to that telephone call a tad peculiar . That phone call (and my first letter) was dealt with in Edinburgh. The first seven day deadline is this Thursday and I will send my second letter to the Canada Square address (and a copy to my branch) regardless of the above letter...

organiser, i would recommend you do not send messages through the HSBC online banking message service as this response that you have had is a bog standard response that I have also recieved in the past when challenging individual charges on my account (this was last year before I knew about this website or attempted to claim the full amount back) Write a letter and send it to your branch or one of the addresses at the top of this forum, you will have better chance of a half reasonable response that way i assure you 8)

I have sent the letter to Canada Square London, and a copy to my branch, both recorded delivery today. I have also put in the letter that I only wish to communicate via written letter to avoid any more phone calls! If I appear in court then so be it, this has to be done. I think I will write another letter to Mr Deans when I finally have these charges returned, to tell him that he was wrong... here is the letter I have sent yesterday - as I say its an edited version of richardsimkiss' letter (thanks!!):

Bookworm010363, thanks for the encouragement... here is the latest update: Today I answered the phone to 'Gareth Deans' Senior Customer Relations Clerk in Edinburgh (this is where I had sent the original letter last Friday, which was pretty much the same as the draft 1st letter in the Library - barring one or two minor alterations). Unfortunately I did not get the chance to record the conversation but all calls to the bank are recorded and can be replayed in a local branch if needed (I asked this). During the conversation I made notes of various quotes by Mr Deans, who told me that "There is nothing wrong with these charges" and "I am advising that you are not entitled to these charges". I informed him that it was to my recent knowledge that these charges were unlawful and were penalty charges he returned that "the charges are in no sense illegal". After over 10 minutes on the phone he advised me that he was 'closing the case' - when I asked why he gave me an address for Customer Relations in London to write to if I wanted to take this matter further. As I had told him that I was prepared to go to court to prove these charges were unlawful he seemed to not want to deal with it himself. I am going to write a letter to Customer Relations (in the same style as Richard Simkiss' letter in another post) and send it recorded delivery, giving them two seven day periods in order to act accordingly. This conversation today has made me even more eager to get these charges returned now.... The address for Customer Relations is as follows, for anybody deciding to take the first step themselves I think this would probably be the best place to write to rather than the Edinburgh address at the top of this forum. FAO The Manager Customer Relations Dept. HSBC Bank PLC Level 36 8 Canada Square London E14 5HQ

After posting the letter on Friday, I today had three missed calls on my mobile today from an 08000 number... which when rung back was a standard answer machine message from hsbc saying that someone has attempted to call myself, and that I did not have to ring them back... I will wait for a written reply before speaking to anybody over the phone from the bank.

Have taken in the majority of posts on this website today - and having been charged twice for the same transaction last month (i complained but the bank simply confirmed the charges) this has made me more than angry enough to follow this through... £912 after interest in 6 years! I certainly hope that the advise given here is right, to the people who set up this website I salute you will keep you all informed as to my progress... to anybody who is not sure, ask yourself what have you got to lose compared to the amount you could gain? in my case it is a lot so this is well worth persuing imho edit: 22nd March For anybody contemplating taking action against HSBC, sign up for internet banking straight away! This will give you your statements for the last 6 years, and using this was the reason my case has developed so quickly! Don't bother with all the DPA stuff it could take a hell of a long time