thanks for your quick reply, i didn't close the account when i got the letter because i have a bad credit rating anyway and i could always fall back on abbey if anything goes wrong with HSBC so i like to keep that option open. I think as soon as i get this sorted, i will get my account closed though. am going into the branch on saturday ...

Hi All, Abbey charged me in total in excess of 200 pounds over the last 2 years, which was not my fault in the slightest. It was an ebay transaction which shouldn't have taken place. Anyway i spoke to someone from india on the phone who agreed to cancel the charges on my account and put it back to zero. this has gone on for about a year ...