HSBC (HFC) lawyers admit fraud

See this response from Restons solicitors dated 9 August,  to a Private Eye journalist’s request for an explanation of the “collection charges” they were adding to accounts. In his smartarse answer the lawyer is effectively admitting their fraud – the OFT ordered the bank in 2010 to stop adding a “collection charge” or change their terms and conditions – which means there were no terms and conditions that justified the charges, which means they were fraudulent. I think it’s an own goal really.