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HSBC Hardship

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A member of family has submitted a claim for charges under hardship. Their only income is state benefit due to ill health so no doubt as to their hardship. HSBC has however sent the “we won at court, go away” letter.

 

They have written back to HSBC to question why no hardship claim has been offered but received a letter saying “we stick by our original decision”. There is no mention of it being a hardship application in their reply, just the normal we won dialogue.

 

The charges amount to over £1000 and represent a huge proportion of their benefit income. The benefit payment has been moved to another Bank as it got to the stage that there was near to nothing left after they had taken charges out. They just added them on and took money the minute it was deposited.

 

Where do we go from here? Who should we complain to ?

 

What is the official position concerning hardship? Did it change after the hearing?

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