Yes, they're account overdrawn charges. There seems to be a difference of opinion here. CitizenB is saying I can claim everything.

Great, so I can claim everything but the unpaid items. Is the letter appropriate? How do I calculate interest?

Hi CitizenB Really appreciate the response and just to clarify: HSBC haven't confirmed they're happy to refund these charges, but simply sent me a breakdown which I've listed. Can I confirm I am able to seek refund on all charges listed? Is my letter appropriate in your opinion? What is the interest I should charge and how should I calculate it? Thanks again for your advice! George

Hello CAG people! (This site is amazing) I wonder if you could have some assistance - I'd be very grateful. I have requested bank charges of a now-closed business account. HSBC have offered these are listed below. Could someone tell me what I can claim back and what the interest should be? I have added a draft of a letter. Is it appropriate? Many thanks! - 15th June 2011 OD Fee - Account Overdrawn - £24.00Dr - 15th Jun 2011 Debit Interest - £0.38Dr - 16th July 2011 OD Fee - Account Overdrawn - £48.00Dr - 16th July 2011 Debit Interest - £0.52Dr - 3rd August 2011 B06 Unpaid Item - £25.00Dr - 4th August 2011 B06 Unpaid Item - £25.00Dr - 10th August 2011 B06 Unpaid Item - £25.00Dr - 15th August 2011 OD Fee - Account Overdrawn - £24.00Dr - 15th August Debit Interest - £0.33Dr - 15th September 2011 - Account Overdrawn - £56.00Dr - 15th September 2011 - Debit Interest - £1.84Dr - 16th October 2011 OD Fee - Account Overdrawn - £16.00Dr - 16th October 2011 Debit Interest - £0.12Dr - 15th November 2011 OD Fee - Account Overdrawn - £144.00Dr - 15th November 2011 Debit Interest - £10.07Dr - 16th December 2011 OD Fee- Account Overdrawn - £184.00Dr - 16th December 2011 Debit Interest - £24.51Dr - 15th January 2012 OD Fee - Account Overdrawn - £168.00Dr - 15th January 2012 Debit Interest - £31.76Dr - 15th Febuary 2012 Debit Interest - £37.25Dr - 27th February 2012 Debit Interest - £40.20Dr - 27th February 2012 Debit Interest - £2.63Dr I have a letter to complete and send as follows: Dear Sir or Madam Thank you for offering a breakdown of charges relating to my business account 14th November 2013. Over the past six years, you have charged me for (enter what they have charged you for, e.g. exceeding your credit limit). It has come to my attention that this is unlawful at common law, and under statute and recent consumer regulations. In the terms of the contract which you agreed to at the time that I opened my account, it is implied that you will conduct yourselves in a manner which complies with UK law. Unless you can prove that they merely cover your administrative costs, I require full repayment of these charges, which I calculate at £xxxx plus interest of £xxxx. The total is xxxx. I also ask you to remove any default notices on my credit record that are related to these charges. A correction or amendment to the entries is not acceptable. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount, plus interest and costs, plus I shall submit a complaint to the Information Commissioner. Yours faithfully Xxxxx