Hello and Thank you. As far as I can tell you do hell of a lot of good job here on the forum. I hope you get paid for it and if not - I hope that all your good energy will return to you one day, Good Man. I feel down, yes, knowing I stuffed HSBC's pockets with £4.500.00 within past 3 years only, as a result of me and my husband being made redundant on few ocassions and struggling paying for food and bills. Most top HSBC bosses have chauffeurs driving Bentleys, the £4.500.00 figure reminds them of their kids' pocket money and customers in financial difficulty are the living food for them, HSBC parasites. I will keep looking for more news as I want to do something to get at least a partial refund but at this point, I feel like I am stuck Where are all the organisations supporting customers like us? Have they all been bribed yet?????

Hello, I wish to ask you for advice. I posted a message a while back regarding bank charges. You advised me to go ahead and I did but waited until the Supreme Court decision. Even though the decision was in banks favour, I still wrote to my bank, gave them a full statement of financial penalties they imposed on me and it all added up to £4.490.53 (four and a half grand) within past 3 years only! (the figure relates only to my bank account overdraft and unauthorised overdraft charges, excluding unfair credit card chares etc.) To make the long sotry short, I told them I am currently like a sinking ship and in financial hardship struggling to pay bills, mortgage or but food. They sent me a letter back saying sod off, our charges are fine, it is your fault you cannot manage your finances etc. (they obvisouly used a highly sophisticated language) They attached a monthly expenditure form and told me to phone them when I am ready with figures. I did. I was put through to at least 5 different people who could not help me, as they stated I am not eligible for any payment plan. I don't want no payment plan, I want at least some of the money they took away from my family!!!!!! If it was not bad enough, the last rep I spoke to offered me signing up for Bank Plus account with a monthly charge of £13.00 at which point I just hung up. I am telling them my family's starving and they come up with yet another '' get ripped off and get yourself drown in debts'' proposition. Idiots. They made me feel down as I cannot speak to a single competent person at HSBC, no one listens, the bank states the charges are fair (I wonder on what basis have they made a decision that their charges are fair???? getting unauthorised overdraft for £20.00 which is paid back in 3 days time resulting in £195.00 charges imposed on me???????) So again to make long story short, what do I do next? I know for fact, many of my work collegaues were paid the unfair charges back, so why the hell they cannot pay me? Is this not a discrimination? They chose to pay back to some of their customers and choose not to pay to the others????? The financial services authority should get to work rather than watching banks rip us off. It is a great lobbying in this country, the Supreme Court stated the verdict but we live in the world of law, and it is the law that says you can proceed to the Highest Human Rights Tribunal if you have been let down by your country. If I only had the money to pay a lawayer to take it there..... Do I still write to my bank? Does it make any sense at all, since they are not reading my letters properly and I get automatic response letter and if I want to speak to someone at HSBC there is no competent people there? They claim all the time that the verdict of the Supreme Court covers them for any charges imposed on customers, so the question is; with this all banking anarchy, will this be OK to charge customers £350.00 for getting overdraft from the next year onwards? And how about £500.00 the one year after? Do I just let go? Please help, before I pull all my hair out! Lain

Hello, I am sorry, I am not very good with forums In fact, I am not very good with computers either I will put a new post and take it from there! Thanks, Lain

Hello All, Just like Luke, I have received the sod off letter few days ago and althoguh the bank charged me 4.450.00 (yes, four and a half grand) during past 3 years in overdraft or unauthorised overdraft - I explained that I am a sinking ship and my financial situation is getting worse and worse but they don't care. Have I still got a chance to receive at least a fraction of these charges???? Please help! Madlainey

These are all strong words, most of you state you cannot accept what has just happened today, the verdict is a joke, so why not stand united and organize a picket in front of the Supreme Court building? We cannot expect anything to change unless we start doing something! Why not stand up together and do what people in my native country do when they are not happy? Posting comments is fair enough as I am also upset if not disgusted about the decision made by the Supreme Court but media is a strong tool in this country so why not organize a picket?????? The power is in number, the decision affected us, normal people who as a result of deceptive bank politics are drowning in debts! I am telling you all, let's get united and organize a picket. All people (many still unaware they have been charged thousands in unfair charges) need to join us and all them bank bosses and court judges have to see us furious! They are here for us not the other way round!!!!! I am free for picketing at any time and have 4 free places in my car if anyone is up for it. (South Yorkshire area)

Hello, I have posted a message in the past with regards to HSBC overdraft charges. I have spend some time looking inot all my past bank statements and calculated that the total HSBC charged me within past 6 years is £4.490,53. (debit interest and the so called pre-notified charges) After today's news I don't think I am going to receive any of this back, though I sent a letter to HSBC today stating that charges imposed by them have not been proportionate to the actual admin costs and overdraft charges involved. I did not mention that it gradually deteriorated my financial wellbeing as it is clear just by looking at my statements. Over the years, my situation slowly, but gradually started to become worse and I just feel like a sinking ship now. Do I still have a chance getting anything back, do you think? Thank you, Lain

Thanks a million Pete. Your help is much appreciated! Kind Regards, Marsha

Hello, I am new to this forum, this site was recommended to me by a legal officer in my workplace so I decided to ask for help. I have been going overdraft quite often and for the past few years have been paying between 120-175 pounds a month for overdraft+arrangement fees. I am not English and never complained about bank charges, therefore I have always been an easy target for HSBC. I always thought that charges are something you can't dispute as there must be some financial authority controlling the whole overdraft charges procedure. Today, I found out that ridiculous bank charges can be claimed. Up until now I must have paid approx 3.000 pounds of overdraft fees etc. Have I got any chance to claim the money back and if so, could anybody be so kind to help me at all? I have no family here other than my husband who does not speak English well, so there is no one I can turn to for support or guidance. Any help will be so much appreciated. SOS. Thank you for your time reading this. Madlain

Hello, I have been regularly paying £175.00 a month to HSBC by going overdraft. I have been told today that there is a website helping people to claim money back and here I am. Would you be able to help me at all? I am an easy target to my bank - I am not English and never once complained about the overdraft charges. Have I got any chance to claim the money back from my bank even if I went overdraft quite often? Please help, I am on my own in this country (no family other than my husband who does not speak English) so your help will be much appreciated! Madlain