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confused009

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  1. thanks guys uv been very helpful, iv relised i actually didnt take out any money when i didnt have anything in my account, its a stupid flex savings account i have that puts me on credit cz i dont save anything into it which i end up transfering back into my account, its all so confusing but i need to get rid of the flex savings account its causing all the problems and nothing even ends up getting saved into it....but thnx guys
  2. hi guys, im so confused and was hoping someone cn help. im only a student alredy have no money coming into my account and recently have been charged 'pre-notified charges' of £16. i hadnt a clue of what it even meant. so i checked my unopened statement today and read the statement and cant even remember taking an overdraft, im usually so good and dont even take out money when theres nothing in my account and apparently i have done so more then once for them to charge me? will they be charging me on a regular? and will ibe able toclaim this back from hsbc bank? and how? please help :(
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