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GrahamSopp

HSBC took me overdrawn

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A little over a year ago I opened an HSBC business account as I had been made redundant and was setting up on my own. I only have one client, based in Malta and I know they use HSBC, so I thought it may come in handy.

 

I also opened a Barclays account, which comes with financial software, training packages etc.

 

Anyway the HSBC was free banking so I just left it there.

 

After 12 months they charge for the CC, £32. However they don't put this charge on your CC statement, oh no. they take it from your bank account. The account with £0 in it.

 

So I get the statement and it says I owe £32 plus £24 O/D charges.

 

I visit the local branch.

 

Spoke to a small business advisor, who said she calls her customers after 11 months if they are not using their CC and arranges for it to be cancelled. of course no one had rung me.

 

She told me if I paid the £32 they would refund the £24. I did, and they did.

 

I have now received a statement, confirming the above, but with another £128 O/D charges. So I go back.

 

These are charges between the time of the statement and the account going back to zero.

 

Obviously the precedent has been set with the first refund, but if it's over £100 they have a lot more paperwork to do.

 

Today I have received two calls from HSBC, one at 08:00:eek: so I assume the branch haven't sorted this, and I also assume my account being £128 overdrawn is now going £8 a day further under.

 

I just want them to go away.

 

I assume if i pay the £128 they will loose interest in me, so there is no chance of it being refunded, but even if I did, I would be back in this situation next month.

 

How do you get out of this loop?

 

 

Wish I had looked on this website before I started with them:-(

 

any advice?

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A little over a year ago I opened an HSBC business account as I had been made redundant and was setting up on my own. I only have one client, based in Malta and I know they use HSBC, so I thought it may come in handy.

 

I also opened a Barclays account, which comes with financial software, training packages etc.

 

Anyway the HSBC was free banking so I just left it there.

 

After 12 months they charge for the CC, £32. However they don't put this charge on your CC statement, oh no. they take it from your bank account. The account with £0 in it.

 

So I get the statement and it says I owe £32 plus £24 O/D charges.

 

I visit the local branch.

 

Spoke to a small business advisor, who said she calls her customers after 11 months if they are not using their CC and arranges for it to be cancelled. of course no one had rung me.

 

She told me if I paid the £32 they would refund the £24. I did, and they did.

 

I have now received a statement, confirming the above, but with another £128 O/D charges. So I go back.

 

These are charges between the time of the statement and the account going back to zero.

 

Obviously the precedent has been set with the first refund, but if it's over £100 they have a lot more paperwork to do.

 

Today I have received two calls from HSBC, one at 08:00:eek: so I assume the branch haven't sorted this, and I also assume my account being £128 overdrawn is now going £8 a day further under.

 

I just want them to go away.

 

I assume if i pay the £128 they will loose interest in me, so there is no chance of it being refunded, but even if I did, I would be back in this situation next month.

 

How do you get out of this loop?

 

 

Wish I had looked on this website before I started with them:-(

 

any advice?

 

First of all STOP dealing with the branch. This is all because of your Commercial Credit Card and the Branch (even the Commercial Managers) are NOT trained in Comm Cards and are useless for any issues relating to them.

Call the Commercial Credit Card line - the number should be shown on your card/statement. The Comm Card fee of £32 is charged in advance, for the year to come - if the card has been closed, this WILL be refunded by the Comm Card team if you request it, the branch should never have asked you to pay it in the first place.

You need to then explain that the Branch refunded the £24 to put a stop to this, but due to BANK ERROR, neglected to wipe the 'charges to date'.

The person you speak to will need to get authority from a team leader, but it shouldn't be a problem as Comm Cards team are well used to the Branch messing up with all issues relating to them. The overall result should be that they refund the £32 that you paid, refund the £128 new od fees as they are only due to Branch error....and most importantly, double check that they are wiping any further charges and interest 'to date' to stop the vicious circle.

So overall, you should be left with £32 credit in your current account :D

 

If the person you speak to refuses or is unhelpful then ask to speak to their supervisor (incase you've got through to a newbie) - as this is standard policy and DEFINITELY should be done. I know this for certain because I work in Commercial Cards for HSBC lol.

 

Good Luck, let me know what happens :)

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