Hi, after watching Martin on 'trevor Macdonald's, Tonight' i decided to take steps, I listened then acted. I joined this forum, read a lot and wrote my bank a letter. It's one of the most empowering things I've done. I followed the instructions on which lettter to send and when. kept concise track of all correspondence that I sent to HSBC. All recorded delivery. They're dragging their heals with the Data Protection Act info, for which i have today drafted the letter to inform them that I'm about to commence action. For my charges, which are considerable, over 2k, they have offered me around 200 pound short, not including interest. i have declined this under the forums advice and commenced action today. These days my house is in order and it's because of this that I'm now prepared to write my letters. I'm sick and tired of people having my money, claiming its for legitimate reasons and services. I haven't turned into Victor Meldrew, I just want what is mine. Big companies as we hear on tv every day, don't care and don't listen. Well they will listen now. 'COME ON THE LITTLE PEOPLE' !!!!!!!!