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HSBC have recently started referring to all charges on their accounts as voluntary service charges, presumably to avoid paying out if the OFT case goes against them. It is has taken £125 of 'service charges' from my account in two weeks, £25, per transaction, per day overdrawn. However, I have just got off the phone from a very helpful girl in their sales dept in Leeds who has confirmed that these ARE in fact penalty charges, and I have her name, time and date of the conversation. Is there any way of using this to provoke legal action or repayment of these charges do you think? Also should I go ahead with the reclaims process again even though the case is putting them all on hold? Cheers

Received my data from Capital One, it turns out that over 5 years they have put £778 of charges on my account!! It only has a limit of £200!! So today I have sent my preliminary letter politely asking for them back.....more to follow