Dear mr skull, someone will get back to you as soon as i have found an appropriate way of saying thankyou for helping me with my claim and giving advice. your thread means a lot to me and will be dealt with accordingly, please find the enclosed leaflet titled "Fob off, Stall and ignore - The HSBC Way" Mike heheehe

Thanks spice, i'm getting a little obesessed with this now, told all my friends etc. im scared that the bank will catch on or suddenly use all of their lawyers and find a way to stop all further claims, or that this site will vanish from the face of the net!! god forbid. All my friends are behind me, and they are waiting untill i recieve payment for mine, before they start their claims. Looking forward to Tonight with trevor Mcdonald on monday at 8pm, as its all about this!! I checked the web for delivery confirmation, no news yet so i cant count the days yet. (damn! i already wrote them in my diary!!) Thanks again guys

Sent my prelim to the branch manager (as advised my another branch) recorded delivery. waiting for a reply. Spiceskull, i've just read all of your claim saga - its fantastic, you could almost have an autobiograpgy with that!

What a fantastic, epic thread. i've just read it all, and its really helped. cant believe them sending so many 'we're gonna hang around with fingers up our @rses then get back to you after lunch, or tomorrow, or maybe never' emails they sent you! Well done my friend. Mike

Right, a few things... Do i a) send a letter first, or b)phone the bank and do i send the letter to branch or head office? or phone branch or head office? and which letter? the "asking for it back" or the "preliminary approach for refund" ?? and i have read the FAQ's but am a little unsure about wether or not to include the 8% apr on the first letter, or do i wait for them to offer me around 75% of the total then whack the interest on when i actually file a claim? also, what proportion of people get their money back with just a one letter/phonecall?? eternally grateful, Mike

I've added them all up, and the total is £1050 without interest. as im 21, thats only from the last 3 years! Letters away soon.

haha, Hopefully i'll need lots of ink eh?

Hi guys! im starting my jounrey in the world of bank sueing! Today as a start i went into my bank and simply asked for my last 6 years statements, and they printed them in 15 mins and charged me £15, which is fine as i dont mind paying the extra fiver for the speed. When asked what i needed them for, i simply replied "i'd rather not say" I;m now giong to add up the details. i'm gonna have to wait till my day off on sunday as there's three inches thick of paper to go through! Great site guys, glad to be part of it. i'm really excited by the prospect of claiming something back! I always wondered why the one time before i did complain about one individual charge they refunded it immediately - now i know. I reckon i might need some help eventually hence coming on the forum, thanks for the support. 5% sounds fine. Mike.