Try the coop bank for a new account they seem quite good.

if your Full refund is 1750 or more then you are laughing - It will neutralise the OD. Get your parachute account ( try Co op ) and add up and sum all your charges and then decide.

Your 1st claim should be fine,nothing to worry about, it seems to be after a 2nd claim they close u down. Dont know if they write it off ( overdraft )or pursue you for it, Im going to be about 62p overdrawn when it is closed down just to anoy them. They probably will go after you if it is worth their while. Does your refund clear the overdraft?

WARNING - They closed me down after the 2nd claim, so hope uve got the parachute ready. Ps see that Gnome up there? He works for HSBC and types up all the letters for them, his name? Mr Bowden.

Give them about a week and they may make a 'commercial decision' on your account - i.e. A months notice to close you down, happened to me after the 2nd claim. See my thread 'HSBC have made a 'commercial' decision. Ps see that Gnome up there? He works for HSBC and his name is Mr Bowden

Hello Spiceskull, YES I HAVE. See my thread HSBC have made a commercial decision, a few pages back. Wonder what wold happen if I was a 'few' quid overdrawn when they close me down?Got a parachute and been refunded a while back though so no worrys really. Only seems to trigger when u make a 2nd claim.

WARNING have u got your Parachute accout? Because 2nd Claim = HSBC close u down. It happened to me recently 1 months notice given, see my thread HSBC have mad a commercial decision

Yes and heres what I will be sending them next month nearer the closing date - Dear Sirs, Thank you for your recent letter ( ref xxxxxxxxxxxxxxx ) informing me of the recent 'commercial' decision that has been made regarding the above bank account. I am extremely upset and disturbed by the logic that has been applied in reaching this decision, as I have been a customer of HSBC for some time and have in the past made use of a multitude of services ( such as two loans, credit card and monthly salary credit, share purchasing service, ) provided by you and also potential future use of financial services such for example as mortgage, pensions, travel insurance, travel money and life assurance. However, I am in no way asking or actively seeking for any reversal, appeal, review or legal pursuit of this 'commercial' decision. I am confident that in time this perceived 'retaliatory' action will be resolved by higher powers than ourselves for other future cases. I would also like to draw your attention to the recent FSA statement, which I have enclosed below for your convenience. Secondly, I believe that these type of behaviours have the potential to generate damaging negative publicity for yourselves, as does the wider bank charge issue, unless it is managed in a more logical, fair and sensible manner. Thank you for recently refunding the hard earned monies you have withdrawn from my account over the past six years. Lastly, I do not request, need or require a response to this letter, as I now consider this a closed matter. Thank you for your time on this matter. Briefing Note BN 023/06 4 July 2006 FSA position on account closures and default charges Generally, under FSA rules on dispute resolution and complaints, we would not expect any regulated firm to discriminate against a customer who makes a complaint. However the relationship between a bank and its account holders, including the circumstances and manner in which accounts are closed, is governed by the Banking Code. We have therefore raised this issue with the Banking Code Standards Board, and informed those firms involved that we have done so. As a result of those conversations, we understand that the Banking Code Standards Board intends to state its position on this issue presently. We encourage the industry to use this opportunity to demonstrate the value of the Code in ensuring fair and reasonable outcomes to such disputes. And then for the final 'last laff' on closing day my account will be overdrawn by a very tiny amount, a few pence.

This has just happened to me with HSBC, if you claim twice you are then shut down. Here is my repsonse to them regarding this - Dear Sirs, Thank you for your recent letter ( ref xxxxxxxxxx ) informing me of the recent 'commercial' decision that has been made regarding the above bank account. I am extremely upset and disturbed by the logic that has been applied in reaching this decision, as I have been a customer of HSBC for some time and have in the past made use of a multitude of services ( such as two loans, credit card and monthly salary credit, share purchasing service, ) provided by you and also potential future use of financial services such for example as mortgage, pensions, travel insurance, travel money and life assurance. However, I am in no way asking or actively seeking for any appeal, review or legal pursuit of this 'commercial' decision. I am confident that in time this perceived 'retaliatory' action will be resolved by higher powers than ourselves for other future cases. I would also like to draw your attention to the recent FSA statement, which I have enclosed below for your convenience. Secondly, I believe that these type of behaviours have the potential to generate damaging negative publicity for yourselves, as does the wider bank charge issue, unless it is managed in a more logical, fair and sensible manner. Lastly, I do not request, need or require a response to this letter, as I now consider this a closed matter. Thank you for your time on this matter. Briefing Note BN 023/06 4 July 2006 FSA position on account closures and default charges Generally, under FSA rules on dispute resolution and complaints, we would not expect any regulated firm to discriminate against a customer who makes a complaint. However the relationship between a bank and its account holders, including the circumstances and manner in which accounts are closed, is governed by the Banking Code. We have therefore raised this issue with the Banking Code Standards Board, and informed those firms involved that we have done so. As a result of those conversations, we understand that the Banking Code Standards Board intends to state its position on this issue presently. We encourage the industry to use this opportunity to demonstrate the value of the Code in ensuring fair and reasonable outcomes to such disputes. Now the fun bit. Im gonna have the last laff, cos when the 23rd August comes around - the day of account closure, guess what? The account will be in OD by £ 0.63p. Lets see what they come up with when they see that.

In the 'old days' ie a few months ago people were always getting letters signed from MR Bowden warning of charges etc, there was talk that this was the name of the automated letter system. Try Colin Langdale for all letters he seems to make things happen.

He IS GONE, NO LONGER, deceased, moved on. Spiceskull has posted he is leaving the forum, see the general section for info. Shame.

Im now in the process of drafting a letter to them which ill post on the forum tomorrow, the jist will be that im extremly upset and confused as to the irrational logic of this 'commercial' decision and as ive been a cutomer for about 15 years and had used a multitude of services that they offer and would have continued to do so in the future. However I am in no way requesting or actively pursuing any review or reversal of this 'commercial' decision and will not be seeking any form of legal redress, as I am confident that in the future decisions regarding other such cases will be subject to guidelines from a higher power than ourselves. Here I am also enclosing a FSA statement reffering to retaliatory action by banks i.e. closing accounts.Then ive ended with a note about the negative publicity this behaviour and their behaviour regarding charges in general could produce for the banks. Finally I will say that I do not expect or need a reply to this letter it is for information purposes only. Job done, I have the refund they have lost a potential cash cow. What a futilie and ilogical bunch they are. Anyway I will post the final draft for all to see. I will also have the last laff cos on the day my account is to be shut I will be £ 0.62 overdrawn.

HSBC have just shut me down, for a 2nd charge I have negotiated back. They claim it is a 'commercial decision' how can it be when they make money from me just by me paying in my wages and CC interest? More like a 'sour grapes' decision.

This was a few days after the 2nd refund was agreed. Now going to find the money mail web site and email them. And then guess what they have ended the letter with? - We wish you well in your future endeavours

Well,Well,Well. Today I have recieved a letter from HSBC saying they have made a ' commercial' decision to withdraw my banking facilities.Dont realy give a @%$*& cos ive got the parachute set up anyway. What does get my goat though is the fact for 15 or so years they have quite hapilly given out loans and taken loads of interest etc and now just cos ive negotiated a refund of the profit generating fees they are coming back with this, it baffles me. If they think just because I reclaimed twice that they were going to get away with keeping the 2nd set of charges ( £ 100 ) they are wrong. I bet that Mr Bowden is behind this , the gnome that he is. Anyway, I am now going to chase the credit card I have with them and try and freeze that. Im also going to try and get them some ( well actually alot ) of negative publicity about this debacle.Lets get a spokesperson out here. HSBC if u are listening - I have made a 'Fanatical decision' to hound and harass you ( in a nice manner ) to the ends of the earth. ( So stick that in your pipe and smoke it - Sideways ).

They have shown their hand - The banks position is to not accept liability, therefore you must now MCOL them, then the ball will begin to roll and u will get the cash. Dont worry about the ombudsman, it is a waste of time going through this route. MCOL is now youre path.Dont forget to claim your court fee too and 8 % interest. HSBC - you are money grabbing Gnomes, and you know it.

Thats what happened to me!! 1st claim paid up and then I sent a 2nd letter for a £ 100 charge, which was settled up a week later. The war for me is over. The gnomes at HSBC are a bit like the borg in star trek now and adapting their behaviour towards charges.

Just got the final refund of £ 100 for July charges, with my previous sucess that means for me the War of the charges is now over. Finished, finito, gone, declared victory. They are clever stratagists over at HSBC cos now im still a potential money earning customer for them for the next umpteen years. Good luck everyone else - Colin Langdale at Leeds seems to be leading this show now. Maybe Mr Bowden has 'moved sideways'. PS Do u like my gnome? It is Mr Bowden in carnate.

REcieved a comm today the £ 100 will be refunded. The War is over.

Waiting for the month end to see what happens, if the charge comes out, a claim goes in HA HA. PS Do you like my Gnome - He is Mr Bowden Incarnate.

IF u are patient you will get the full amount too! Just send a letter to Debbie refusing the 1st offer.

Have you got your charges list at the ready? I put my name and adress, account number and claim number on mine too. And then put a list on one side sumerizing each years charges, court fee, interest and added them all up and put the total in BOLD and a large font.

I got a charge of £ 101 from the period before my 1st refund came in. The beggars will now get a 2nd claim for £ 101 in a couple of weeks after the negotiation letters have expired. Has any one else had this situation with HSBC??

DONT Panic. In my case this was requested by the DG crowd a few days after the claim went in and NOT sent with the MCOL site.Sent it to them and got my wad. Loverly.

You could refuse the offer and wait. You will then get the full amount. Then start the process again for the new charges. Thats what im doing at the moment. Slowly slowly will catchie monkey.