Have just been through this process and so far only got HSBC to refund 1 month charges of £150, they also not agree I am suffering financial hardship after taking out £200 per month for a year from my benefit and pension income which leaves me owing rent and their credit card payments! I pointed out one of their staff suggested raising cash from the credit card - bad advice - and have been pressured from HSBC credit card to up payments even though they had hardship case in front of them. What are they playing at!!!!Won a refund charges case against them in 2006 and to hear them on the phone today you would think I was the one who had robbed the bank!! You gotta laugh!