Hi guys, I've finally recieved some reply from HSBC. They state that they're not willing to refund all £1360 of my claim. However they are willing to send me £1220 in full and final settlement, Which I have decided to accept, as it's only a difference of £140. I'd just like to say thanks to everyone who's provided me with advice, and the the guys who wrote the step by step guide as well as the example letters. Many many thanks Mercury

I will admit, I actually started my claim process a few weeks ago (after months of putting it off) I sent off for all my statements, which were sent in about 40 seperate envelopes, and even had my £10 DPA fee returned. Having piled through my statements (which took several hours) armed with a highlighter, I worked out that I am owed £1360.00. I sent off my Preliminary request on April 12th, giving 14 working days to respond (30/04/07) with my schedule of charges. Today (May 2nd) I received a letter stating that HSBC are looking into my query. Too little, too late thinks I. So i have just finished writing my Letter Before Action, all ready to go in the post recorded delivery tomorrow. I have the feeling this will go down the same route as many, ending with a court summons etc etc etc, but at the same time, I'm optimistic. I've already opened a Parachute account/savings account, just in case. I'll keep everyone updated Thanks for all the tips and help I've found on the site

Thanks for the welcome, I'm not planning to start anything 'til after Christmas, as I'll have more free time to get to know exactly what I'm up to, I plan to spend the time between now and then reading as much as possible on the subject, after all, Knowledge is power.

Hi everyone, I was advised to join this site by a couple of guys on another forum (not related to this topic) who used your services to reclaim a substantial sum from his bank. At a quick guess, without checking, I reckon i've paid HSBC around £2500 in the last 6 years, mostly charges originating from going overdrawn, mainly because of the charges they levied the month before. My thanks in advance for any help/advice I receive on the site, and my apologies for any irritating questions I ask.