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Fresh Prince

Would cancelling credit card, do any good ?

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Hi all, sorry if this sort of question has been asked before, but after reading many threads I now feel like I know even less about it than I did before, ironically, lol

 

I have got a credit card with HSBC (Visa) on a 3yr. contract from june 07 to june 10, it's got a £2000 limit which I reached and am currently paying interest charges, just to keep myself below that limit, but I haven't got enough money to actually make a substantial payment to lower the amount owed. Basically what happens is my debt runs to £2049, I pay in £50 to get back to £1999 and so on ...

I was wondering if I am allowed to cancel the card and hopefully the charges with it so that I would actually pay off the main bit?

I spoke to HSBC on the phone, they advised me to take out a personal loan, use it to pay off the card, and then pay off the loan without the charges, however after checking my credit score, the person on the other end told me I'm not eligible for it, and that was basically it.

 

I have another credit card, with Vanquis, 'worth' £500 in debt, same story, except I had it for a year.

 

Bit unrelated but;

same thing happened (few times) with my HSBC basic bank account, I'd fall into overdraft, because they issued me with overdraft charges.

On few occasions I'd tell them (over phone) I won't be able to make the payment but they went on ahead and charged me anyway, and said if I want to avoid this, I should go and speak to an advisor at my local branch. My local branch is none other than HSBC HQ in Canary Wharf - I went there and told them what I'd been told on the phone, but they told me the exact opposite thing, that I should request them for vaiwering these charges against me over the phone ... after that I gave up. But I had 2-3 months living on bread and water because of it.

 

So in a nutshell, I am £2500 in debt, and I'm only paying off interest rather than the debt. I always feel like I'm just a month behind of being able to make that jump from skipping paying the interest/overdraft charge and start paying off the main part of the debt.

 

I see some template letters on this site suggesting I could ask the bank to either let me pay off less or reduce some charges ? Does anyone know if this is actually effective ?

Last time they phoned me (some Indian lady), quizzed me why I haven't paid, how much I'm earning, where had my money gone - but she would not agree to 'freeze' any coming charges against me ... so much for their understanding.

I do acknowledge it's my fault for being in debt, and at the end of the day they don't care how it came to it, but I feel like they want to rip me off forever and it's very frustrating. Any advice on what I can do, please ?

 

Out of desperation I'm even thinking of leaving the country and starting over somewhere new, would they pursue me across the borders ?

 

Anyway, thanks in advance for any advice.

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Also I might add, I never asked for any refund of my overdraft charges, and I've been charged a lot over the last 3 years, probably somewhere in a range £1500.

And with this court case against the banks going on forever now, I'm not sure if I can still submit a claim at this late date ? Knowing of course that we're all waiting for the outcome of the verdict. Thanks.

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I spoke to HSBC on the phone, they advised me to take out a personal loan, use it to pay off the card, and then pay off the loan without the charges
First, that it against the practice laws for them to offer you a loan to repay CC charges, and secondly, you can reclaim your bank charges, albeit in a queue. Keep reading up a lot more on here and when you're ready, open your own thread and you'll get all the answers you need :cool:

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Hiya fresh prince and welcome to the HSBC forum :). I agree with AA99 you should be looking at claiming your charges back on your credit cards and on your current account.

 

Your current account claim will be ignored by the bank amongst a lot of waffle about the test case. There is nothing anyone can do about that, the banks have been granted waivers which allow them to basically ignore claims on current accounts for the time being but you should still formulate your claim and submit it.

 

Credit cards are a totally different matter, there is no test case and no waivers for these claims and from what you have said the charges will all but wipe out your total debt :)

 

The process for both current accounts and credit cards is explained in the following thread.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Good luck, just shout if you have any questions and keep us posted anyway :)

 

pete

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