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Student Overdraft Help


rodentrocker
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Hiya

 

I know this has probably been covered tonnes in past threads but am newish here and don't understand many of the terms used!

 

I really need some help with my student overdraft. I finished uni a year ago and due to being laid off at jobs over the year have gone over my overdraft which is coming up to the one year limit before it has to be paid. It is at £2000 I went in to see HSBC (which is my bank) and they wrote on my file that I earned £800 a month which they said at the time would be a good idea as it would look like I would be able to pay it back. I realise now this was very stupid. My credit rating is awful so there is no leyway on much.

 

I now have no money going out of the account as I moved back to my fathers home as soon as my house contract was finished. I went in to HSBC again today to try and see if I could work out a repayment schedule and they basically turned round and said there was nothing they could do, (the bloke acted like a pompous ass too!) The overdraft has not been sent to the collections department etc yet, although I am sure this will happen soon. How do I try and get a repayment schedule with them? I do not want to go to court and get CCJ's etc. They just won't give me any information.

 

I have also read about people writing to ask banks to freeze their accounts while they repay, but I cannot even find the address details on their website.

 

Any help would be much appreciated.

 

Thank you so much for your time.

 

Rodentrocker

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Welcome to the site.

 

Let me get this right you said "and they wrote on my file that I earned £800 a month which they said at the time would be a good idea as it would look like I would be able to pay it back. I realise now this was very stupid. My credit rating is awful so there is no leyway on much."

 

Did they really do this ?????????

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