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shedsounds

Reclaiming on inactive account with o/d

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I was with HSBC for about 20 years and drifter overdrawn at varying stages so will have some grounds to claim

BUT

During our divorce last eyar we both got our own accounts with different banks but retained the HSBC one to effectively service the mortgage with HSBC and repayments to HSBC mastercard. We both pay money in each month to cover thos and also little extra to bring the overdraft on that account down but the charges keep rocking up.

 

If we launched a claim for charges, and we won would HSBC be likely to instantly recall the overdraft?

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I was with HSBC for about 20 years and drifter overdrawn at varying stages so will have some grounds to claim

BUT

During our divorce last eyar we both got our own accounts with different banks but retained the HSBC one to effectively service the mortgage with HSBC and repayments to HSBC mastercard. We both pay money in each month to cover thos and also little extra to bring the overdraft on that account down but the charges keep rocking up.

 

If we launched a claim for charges, and we won would HSBC be likely to instantly recall the overdraft?

 

no they wouldn't.


.

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

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Hiya shedsounds and welcome to the HSBC forum :) as yourbank says HSBC shouldn't withdraw your overdraft just because you have made a claim but it has been known :rolleyes:.

 

The bank are not allowed to take retaliatory action against customers claiming their charges back so if you are using the overdraft sensibly i.e. staying within the limit they would have some serious explaining to do if they suddenly withdrew your overdraft facility. If your drifting over your limit every now and again then this would give them an excuse :cool:.

 

pete

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