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Belladonna602

Charges for overdraft review!

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Hi,

My son has been charged £25 Bank charges.

When he asked them why they had done this they said it was because they had 'reviewed' his overdraft and this was the cost.

He never asked them to do this and having done so they have not changed his amount or actually changed anything. They have said this is 'new' for this year.

Can anyone advise if anything can be doen to reimburse these charges??

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This is dreadful......If it was me i'd feel like going back to them and say that I am reviewing my bank account/finances at the moment and would like to charge HSBC £30 for doing it. I'd ask for this back or at least a breakdown of exactly what it entails, how often do they expect to do this ? was this done in branch ? I'd start looking at a new account elsewhere if possible.....


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i have had the same for the past few years now. HSBC have said this is a yearly fee when they overlook the overdraft facilities provided to me. nothing has changed in my overdraft so why keep charging me.

 

Also, i have been living in my overdraft for a few years now due to my jobs and other expenditures which i cannot do without, but my bank (HSBC) keep charging interest and even higher interest for going over my overdraft limit.

 

Don't they understand that if i had the means to clear my everdraft then i would but being in a job that only pay's minimum wage then it does become difficult to pay my overdraft never mind the extra charges they put onto this :mad:

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i have had the same for the past few years now. HSBC have said this is a yearly fee when they overlook the overdraft facilities provided to me. nothing has changed in my overdraft so why keep charging me.

 

Also, i have been living in my overdraft for a few years now due to my jobs and other expenditures which i cannot do without, but my bank (HSBC) keep charging interest and even higher interest for going over my overdraft limit.

 

Don't they understand that if i had the means to clear my everdraft then i would but being in a job that only pay's minimum wage then it does become difficult to pay my overdraft never mind the extra charges they put onto this :mad:

 

 

Business account? It is different to a personal current account.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Business account? It is different to a personal current account.

 

Business or personal it still doesn't make it right!

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Hi,

My son has been charged £25 Bank charges.

When he asked them why they had done this they said it was because they had 'reviewed' his overdraft and this was the cost.

He never asked them to do this and having done so they have not changed his amount or actually changed anything. They have said this is 'new' for this year.

Can anyone advise if anything can be doen to reimburse these charges??

 

Hi belladonna , welcome to the forum :)

 

Unfortunately , I believe this is one of the charges which is not reclaimable - they are allowed to do this once a year I think , and wow! do they make the most of it ........ :eek:

 

Having said that , if your son is running a tidy account , with no excess overdraft on the account , I would be inclined to ask at the local branch for a refund .... the manager has leeway to make 'goodwill' refunds and he may play ball . Certainly , if no adjustment was made it's a bit rich .......

 

If they refuse , there's not much your son can do except threaten to take his account elsewhere ....... there's no such thing as banks' loyalty to customers these days , so why shouldn't it work the other way . For £25 they may consider it worth keeping your son sweet ......

 

Come back if you need more info , belladonna , you'll always get an answer on here ,,,,, and we're a friendly lot .......:D


Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Business or personal it still doesn't make it right!

Question was aimed at another poster since is it absolutely fine on a business account to charge a yearly fee for having the overdraft as it is part of the services for businesses rather than a penalty which in your first post it certainly is.

There is a difference but my question was not aimed at yourself.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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How old is your son?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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How old is your son?

Hi,

Thank you for putting me straight lol....................

 

My son is 27yrs. He did as suggested by another member and he got his money refunded. It was just a surprise for him as he is very particular to keep his account in order and then they did this.

 

Anyway all worked out in the end.

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Glad it worked out for him belladonna - and it helps others who are in the same position to 'brave it out ' and ask for it back ........

 

Thanks for the update ..........:)


Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Glad to hear it was resolved


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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