If I don't accept what is my next step. I haven't yet sent mt LBA, this was a response to my prelim.

Thank you for your letter date 26th June 2006 requesting a refund of your bank charges of £1371.00 going back to 30 October 2002. In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are clearly set out in our published price list. The circumstances in which the fee will apply are clearly set out in our published price list. The circumstances in which the fee will apply are clearly set out in our Personal Banking terms and conditions which you were provided with a copy of when you opened your account. If you claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees. HSBC is, however, mindful of the management time and irrecoverable legal costs that it may incur in relation to such a claim. For those commercial alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you in the sum of £1200.00 representing the charges applied in full and final settlement of this matter. If you accept this proposal please sign and return the enclosed copy of this letter to us within 10 working days and we will arrange for a refund to be made to you. Please allow 7 working days for your account to be credited from receipt by ourselves. If we do not receive your signed acceptance within this timescale, we will take it that you have declined our offer. I trust that this matter has now been addressed to your satisfaction. If you are not satisfied with the bank's response you have the right to refer your complaint to the Financial Ombudsmans Service. Further details about the Ombudsman scheme are set out in the enclosed leaflet and you have six months from the date of this letter, within which to refer your complaint to them should you decide to do so.

Should I just sign this letter they have sent or write my own?

16 days, I was just about to send my LBA.

Well after my successful claim against HSBC I thought I'd try Smile. Don't think I'll have much to claim but it's worth trying. Data protection letter will be sent tomorrow.

Decided to accept. Only 171 off my total and could do with the money ASAP

Didn't get around to sending my LBA, but I got an offer of £1200 today. Claim was for £1371.

Well no reply to my prelim, so LBA is getting sent today.

Letter delivered to HSBC

I sent my letter yesterday and included a charge that is due to come out on the 30th.

Good luck LittleMissFoolish Just sent mine off too

Cheers mate. Letter has been sent

And another thing, I have another £125 charge due to go on this month, can I add this to my total before it has appeared on my statement?

Also is Mr Alan Pretty, as per contact thread above, the correct person to send these to?

Just about to claim for 1,256 I'm not interested in claiming the interest, can I just drop this bit from my letter?