Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default HSBC is going to remove my overdraft facility help.

    I have today received a letter informing me that my overdrafticon facility of 600 will be removed on the 23rd of January.

    They said that the overdraft facility would be removed.

    They also ask for a list of income and outgoing list to be completed which the have called the Affordability form.

    Is this punishment for sending them to court twice?
    Can they do this?
    How do I stop them?
    Can I stop them?

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    Default Re: HSBC is going to remove my overdraft facility help.

    They do have the right to withdraw this facility, although you may of course be correct in the assumption that it is a retaliatory action for having reclaimed charges.

    Proving it would be another thing. It would essentially be a case of complaining to the fos and letting them decide, but if you feel as though they are doing this for no other reason, it might just be better to move to another bank who will offer the same or similar OD facility.

    Are there other circumstances that could have affected this decision - change of financial status etc?

    If your finances are in order, my best advice would be to move banks now. You might wish to keep this account open (unused) whilst you submit a complaint...


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    Default Re: HSBC is going to remove my overdraft facility help.

    I think your best bet would be to open a parachute accounticon somewhere else. That way you can start from scratch and manage your finances a bit better. Once you have set up a new account,you can then go back to HSBCicon and start up a repayment planicon as well as carrying on with your claim.

    If you need to check the charges, you can do this online at the HSBC website. You do need to be registered for this. You can check up to 6 yearsicon worth of statements.

    I do not know any free "help" comapnies, but I am sure you can get all the advise you need right here. It also might be best to start up your own thread, that way we can advise you of the whole reclaiming process and it won't get confused with the advice given to JOSHIOU.

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    Default Re: HSBC is going to remove my overdraft facility help.

    sometimes it can take a while to get a response from the fosicon. should you need any further help, just ask away. We are right here ready to help

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    Default Re: HSBC is going to remove my overdraft facility help.

    just to let you lot know. My last two posts relate to katylegs

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    Default Re: HSBC is going to remove my overdraft facility help.

    Take more water with it jo..............


    PS : Have you told katylegs her answers are on here jo ?



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    Default Re: HSBC is going to remove my overdraft facility help.

    Good thinking Batman

    Just quoted my responses on to her thread

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