Turns out I needn't have worried, they are indeed paying the bonus

Employee handbook says that blahblah operates performance-related discretionary incentive schemes designed to reward employees according to their efforts............. The existence of and rules of the scheme are entirely discretionary and operate in accordance with non-contractual rules which may be in place from time to time.' It also points me to the HR manual where it confirms leavers who aren't employed on the bonus payment date are not eligible for payment. Now blahblah could say I won't be an employee therefore the bonus is not designed to reward me. However they have not changed my salary in time (I leave literally a few days before the payment date but I've given them plenty of notice) I believe so they're going to pay me it but try and make me sign a form for them to debit it back from my account along with unworked days for the month. Could I simply refuse to sign this and lodge a grievance on the grounds of the fact even though they technically can it is quite unfair to buy time? Is it even possible to lodge a grievance if you're leaving? I wouldn't have known this if I hadn't directly asked them too. I'd have probably blindly signed the form. I also cannot simply work the extra few days because we have a holiday booked and paid for. The reason I am leaving is because I am moving, I have tried everything I can to relocate and they haven't confirmed if I can or not. If they cannot relocate me is where this scenario will apply.

If I've earned a quarterly bonus between March and June, it's been finalised how much its going to be, and it's due to be paid in August, then if I leave five days before it's due to be paid are they allowed not to pay me it? Here's the job entry on my employer's website: Customer Sales Executives (Full-time) £x - £x pro rata rising up to 5% increase after accreditation period plus quarterly performance bonus. Surely this implies the bonus is earned and not discretionary, which means they can't just pull it whenever they want? I plan to get a copy of my contract and the staff handbook at work to see what those say about it, but under what circumstances are they actually allowed not to pay what I've already earned just on a whim?

If FD have the same policy as HSBC then if you go less than £10 over then they don't charge you so that might be why you weren't charged for going over by £7.

I don't think this is a change in HSBC's policy they charge a max of £25 a day so if you have been up to £50 overdrawn over the period of a few days then that's what they've charged you instead of the max per day.

Hmm I would assume that the available balance for the Managed Loan is what you have paid on it so far. I don't think you can do anything with those funds, although it is an interesting glitch.

Charges are calculated and notified monthly; they look at two things, first is how many days you have gone over your limit or further over your limit, second is total amount in the month you've been over your limit. The 'Fair Fees Policy' has some additional terms like there's a £10 buffer zone where you won't be charged. The charge is £25 per day unless total amount gone overdrawn So example if you have a £100 overdraft: Day 1 you go to £109 in debit Day 2 £140 in debit Then no more transactions take place and the account stays at this balance until the end of the charging period. You'd be charged £40 as max for 2 days is £50 but you only went total £40 over. If your day 2 balance was over £150 in debit you'd be charged £50 in this scenario

Overdrafts at HSBC now last for a maximum of 12 months. At the end of the twelve months the overdraft is reviewed and you get a new facility letter detailing the overdraft HSBC is prepared to arrange for you for the next 12 months. This may be for the same amount or they may reduce it. The new overdraft is subject to the same arrangement fees as any other overdraft (formal/informal whatever) so if you've formally or informally arranged an overdraft within the last six months you'd be charged an arrangement fee for the new 12-month overdraft. So yeah if you went over your limit a few months before your review date you'd be charged again, but if you stay within your limit all the time you won't be charged. I think the responsible lending argument comes from the overdraft being reviewed to see if it is still suitable.