Hi, Just received 4 boxes from HSBC following SAR letter. So, first and foremost - there is no contract! What does this mean??? and what do we do... Here is our situation: My husband had this account for 15 years. About 7 years ago it became joint after we got married. For years, this was the only bank we used. It went in and out of overdraft. But about 5 years ago, we stopped using it. However there would be an occasional charge and/or direct debit which would keep the overdraft going. This made the account go from 0 to 9K, which is out limit and for the last 3 months it's over the limit, now they are demanding payments and reported this on our credit file. We tried on numerous occasions to resolve, settle, come to an agreement but were always told that nothing can be done and it's all fine as long as we are under 9K. I even tried to close, but no luck... a few questions. PLEASE HELP! - No contract - what do we do? - A number of accounts listed with closed dates unknown - Fees/etc - what are we supposedly to be looking at and how are we adding this up? There is a min of £150 monthly, plus £12.95 ppi - How far can we go back? - Letter template? - Personal issues? What are the types of things we should mention? - Difficulty - We were in financial difficulty for years, this account above contributed to this, in addition to other cc mishandled.. . However now we are doing ok and focused on repaying everything. Does our current financial status matter? - We are not currently living in UK - does that matter. PLEASE HELP! ETERNALLY GRATEFUL FOR EVERYONE'S HELP HERE !