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x_gemms_x

HSBC bank charges, any advice??

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Hiya my name's Gem, i am new to the site.

 

I keep getting charged bank charges with HSBC for going into my "Informal Overdraft", this has been going on for a few years, with a break in the middle then i slipped back towards the limit amassing more charges, last month was £79, which got reduced by £25 after i rang up HSBC and practically screamed at some poor girl. and this months is £103. my issue is, i will always end up going over the limit if they keep charginig ridiculous charges!!

 

i have rang up HSBC and told them i never asked for an informal overdraft facility, and wished for it to be removed and a cap put on my over draft at the limit. all i got told was that most people liked having this facility and the only way they could put a block on the limit is if i upgraded to a pay monthly bank account, or paid off my over draft and changed to a basic bank account, to which i replied well if i could afford £1500 to pay back now, i would not be ringing you.

 

i have already borrowed money off my mother to reduce the OD to £1000, but still these ridiculous charges prevail, and i can't keep asking people as they are not able to fund the overdraft, i need to sort these out myself.

 

Any advice would be grateful, i know i am a few years too late but i am in such a vicious circle that paying off my over draft really seems like a distant dream!!!

Edited by x_gemms_x

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Hi Gem , welcome to the forum , :)it looks like your post has slipped through the net briefly ..

 

At the moment there are different ideas on how to tackle this ..... because the banks keep telling people they won in the Supreme Court (which they didn't !) and to go away and they can do what they like ....

 

Until a new plan of campaign is hatched ... (watch this site for developments) I'd say the best plan is to find out how much they actually took from you in O/D charges and set about asking for it back .... it's not a quick process and you'll find they'll try to block you all the way (as you've found already,) that's their strategy .... no such thing as customer service ..... :(

 

Meanwhile , have you considered a 'Parachute' account , i.e. a basic account with another(completely separate) bank ,which you can use for your daily income and expenditure ..(without going overdrawn !) ........to give you breathing space .....

 

Parachute Account

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

 

Some people have found this helps and if there is anything left at the end of the month , chip away at the HSBC O/D at your pace , not theirs .....

 

This helps in two ways ,

 

1) it gives you back control over your finances , while you try to get some money back from HSBC , and

 

2) if you're seen to be trying to reduce your O/D it would help if it ever came to court . No court is going to make you pay more than you can comfortably afford..... unlike the banks who will grab your money as it hits the account ......

 

So, gem , consider those options , and see if you can sort out how much they owe you ... Try a SAR if you need all the documentation they've got on you i.e. statements , agreements, letters etc .... costs a tenner and well worth it IMHO .......

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

and consider a parachute account .....

 

Of course come back and ask any time you need more info/advice ...it may not be me but someone will answer and we're user-friendly on here .... :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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