ooo this is interesting, I want to do this but do you think I can do it when I used my switch card when there was no money and I went over my overdraft limit? I hope so but it was my own silly fault for living beyond my means and being too scared to check my balance.
Have many people had luck with HSBC?
Does your local branch get involved much? I have quite a few friends there so don't want to cause ruptions with them.
p.s well done all of you
I don't think it matter how the charges were incurred, just the fact that they were charged at an unreasonable rate.
Once you have decided exactly how much you are going to claim from your bank I think I'm right in saying that all correspondance is then through your local branch. Although I have to say I'm sure that they get so many of these claims now that they certainly won't be gossip among the staff.
You ought to check out the Money Saving Expert site they have all the info you need including sample letters for each stage of the process and so far i don't think any bank has not paid up! But do it quick because they have said that an announcement is going to be made next month directing the banks on what they should charge which in turn will mean that the payouts may stop/reduce.
HTH