Here is a simple explanation of why HSBC/HFC charges are unlawful, besides being unlawful contingency fees. Here is a computer generated letter from Restons, where they charge £508.64, before they have done any work (some of the charges are as much as £5,000):
These documents show that the charges are unlawful, right from the beginning. See the rest of this site for other reasons why they are illegal. I told the bank’s solicitor in 2003 that they were illegal – the bank carried on apply them until told to stop by the OFT in 2010. I calculate that in any one year the solicitors added an average £35,000,000 in illegal charges.