Here we go again! HSBC settled for the whole amount (£ 1881.48 ), now I licked blood! Send my letter today for refund of only £ 240.00, have to wait now another 14 days, but believe me, its worth every minute. EVERYBODY! , go for your right!

Hi chewlips. Debs is right! In my case, DG filed defence halfway through and then send me the full settlement offer on the last day.

Hi ishmo. In any case stick to your deadlines. It is HSBCs tactic to make you nervous. In my case, they waited every time to the last minute or ignored deadlines. One day after I filed my MCOL I had a letter offering me only part of my claim, but after the deadline ended. Should that happen to you, see my letter to them in my thread. NO SURRENDER go and get them!

Its may be helpfull for everybody, this is the letter I wrote to HSBC after they missed every dead line given by me. feel free to use it! Better to hit the Nail on the head, than to strike it! Date: Notice! Dear Mr. Langdale. Ref. xxxxx Account no. xxxxxxx. Thank you for your offer, dated xx/ xx/ xx of £ XXXX to settle my claim for the refund of my bank charges of £ XXXXX against HSBC. I accept this payment as PARTIALY ONLY and will, as you probably allready know by now, claim the reminder separately. I gave you enough time ( legaly required) to correspond with me to settle this matter. More time you're bank is giving customers like me to settle claims from your side. You ignored given deadlines and forced me to issue a court claim against your bank, that you should have by now, this includes avoidable 8 % interrest and fees. I hope we can settle this matter soon and avoid any more legal costs and inconvenience for both sides and looking forward to hear from you soon. Yours faithfully, I love the sting in it and they are not GODS, they stink from the same hole than anybody else!

A quick update. The cheque was here this morning, so after 3 months my case with them is settled. Now get the others! Theres more of my money out there!

Hi everyone. Had a letter today from DG Solicitors, stating that I receive the full payment by cheque within the next 7 days. I attached a separate letter to the agreement( confidentiality bit crossed out ), asking for it and it worked. Now they cant get theyre greedy paws on it and we got money, well needed! Probably a good tip for everybody! I am thrilled to the bone with this success, thanks to everybody for the help given and a Donation to this webside will go out as soon as the cheque clears!

Bong is absolutely right, read the FAQs, or better go to rdms thread on the top of this page. Newcomers step by step guide with links. You cant loose, go for it!

Go for it, it is your right and if you stick to your timescale and the rules you can't loose! Welcome to the site, by the way! You dont need luck, only elbowgrease and a bit brain!

Go for it Hannah and in a little while you are rid of the Loan!

Hi Kazzy. Dont get me wrong please! You are a woman of my taste, couldn't put the letter better than that myself! I wrote a similar one yesterday to Gordon Brown!

Go and get them! Every kick counts and every win is a pain in the backside for them, don't be nervous about it, you can't loose! Lets say " The force is with you! " No prisoners taken and give it the full force of " the victim "

If you claimed the interrst as well, dont let them get away with it. All or nothing!

Hi Ishmo. HSBC didnt closed my account, but in revenge cancelled my overdraft. Its allways better to open, just in case a " Parachute Account "! You never know!

Hi Cheryl. Look at the second thread under the announcements on this page, at the top. Its all there, Newcomers step by step!

I cant give legal advice, but why suddenly can they work out the charges when they were unable to do so in the first place? You are on the right way, and if you stick to your timescale and the advice given, you can't go wrong. Go on, get them! If they want to go to the Financial Ombudsman, help them! They wont shoot themself in the foot!