Sent by 'My Messages' in HSBC Online banking

21/01/2007

Dear Sir/Madam,
I am writing to you today in relation to
the fees due to be applied to my account
on the 5th of February 2007. I am
contacting you in this way in the hope
that HSBC will maintain their level of
Customer Service and will not require me
to enter into months of correspondence to
bring this issue to an end. I believe that
the charges due to be levied on my account
are punitive and thus are not enforceable
under current UK laws. I am requesting
today that you please overturn the
charges, I am willing to pay a reasonable
amount to cover costs incurred by my
entering into an unauthorised Overdraft
(by the amount of 4.98) however I do not
believe that the charges due to be applied
represent this.
I am aware that the charges are laid out
in the Accounts terms and conditions,
however this does not make them legally
enforceable, as you are no doubt aware no
contract can overturn your legal rights.
I hope that this matter can be settled
quickly and to the satisfaction of both
myself and yourselves.

I sincerely apologise for the fact that I
have passed my overdraft limit, however as
you may expect I am going through a tough
financial stage at this time of year and
these charges would only serve to worsen
this fact.

So far I have had a good relationship with
HSBC over the years that I have been
banking with you, however I am more than
prepared to seek legal action in order to
recover money that is unlawfully removed
from my account.

Thank you for your time

Ben Tasker