Jump to content
  • Tweets

  • Posts

    • Can you ask your GP to get a second opinion on the NHS?  (I ought to know because I'm a retired NHS manager, but worked in mental health where x-rays didn't really feature very much(!).)   Your GP may be reluctant for various reasons but you've got nothing to lose by asking.  Might be difficult if there's only one consultant in that specialty locally.   If that is a non-starter, you could ask your GP for a private referral if any of the relevant specialists run private clinics.  Your son'll get seen quicker and an initial private consultation shouldn't cost more than about a couple of hundred quid.  Then take it from there.   (Emphasise to your GP what your real concerns are and why you have them - even if it's just "I looked it up on the internet and it looks like this which can lead to serious complications.  What do you think?  I'm really worried...")   EDIT:  Just looked on my local NHS Clinical Commissioning Group website and searched for "second opinion" but nothing comes up...  I thought you were entitled to one - you'll have to ask your GP.  Or look on your own CCG site.  Oh - despite being a NHS manager I have paid to see a consultant privately.  £150 well spent - if you can afford it... which I appreciate not everyone can.
    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
    • With the global market for recycled cardboard worth billions of dollars, it is attracting criminals. View the full article
    • UK house prices are predicted to fall but a report spells out why property may remain out of reach. View the full article
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
casbah

HSBC " informal overdraft"

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3624 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Everyone

 

What can I do about an overdraft that is made up entirely of bank charges and interest?

Had a loan and joint current account ( with my son) with HSBC, current account was put into dispute because of previous bank charges, loan account was my Son's and I believed he too had challenged this as it was a 'managed' loan. Due to personal circumstances he transfered the monthly repayment direct debit onto the joint account, believing the loan account was indispute, hsbc wrote and said they were waiting for outcome of court case regarding bank charges, but for 15 months they called for DD on loan, (they made the payment then rejected it) hitting me with a £25 + interest bank charge, so I have the loan account outstanding but the joint account was not used since I requested bank charge refunds in June 07, yet with the "unpaid direct debit" charges, now stands at nearly £1,000 and they want it.

Is there anything I can do, I accept the loan account, as I had the money and should (and will) pay it back.

Share this post


Link to post
Share on other sites

Hmm think your son should have stopped the DD if he felt the loan was "in dispute" in any shape or form.

 

As the test case went sour I believe they only have to show that the terms and conditions state the charges will be applied to prove the charges are correct. You say the balance is £1000 and this is an informal overdraft... have they increased the level of overdraft to allow them to add charges?

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

Hi Shadow

 

No they never gave us an overdraft, the nearest I got was a letter dated July 07 whereby they say

" You will realise that no formal limit has been agreed between us"

They then go on to say the interest rate.

I'd written the month, (15th June 07), before requesting the refund of the bank charges.

 

Cas

Share this post


Link to post
Share on other sites
Hi Shadow

 

No they never gave us an overdraft, the nearest I got was a letter dated July 07 whereby they say

" You will realise that no formal limit has been agreed between us"

They then go on to say the interest rate.

I'd written the month, (15th June 07), before requesting the refund of the bank charges.

 

Cas

 

Hmm interesting.. basically the bank has just created its own money for no service then? Unfortunately the informal overdraft is probably in the terms and conditions and using the account equals your agreement to them. Have to say I'm surprised they let it get so much without putting a total block on the account.. £1000 in just charges seems excessive in the extreme.

 

Might be worth just complaining to the bank that the overdraft was never used, it was made up totally of charges therefore you see no reason why you should pay for the banks own method of money creation... then at least get the final response from them and take them to the FOS, it'll cost HSBC £450 for the fos to investigate and worth a punt in my eyes.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

Hi Shadow

That makes interesting reading,they had passed it to a dca (their inhouse dca) so spitting my dummy out I wrote and told them account in dispute, they replied that they have put it on hold and would I let them know the details of my dispute, so am now trying to figure out how to word the letter.

I like what you had to say and will mention that FOS route in my letter, but of course I won't let on I know the fee they would be charged.

I'm not asking for this money to be "returned" it wasn't mine but nor did I ever use it, its just the fact I feel its constructive debt.

Best wishes

Cas

Share this post


Link to post
Share on other sites

Absolutely agree, I've a niggle in my mind that they are not allowed to "create" an informal overdraft to cover their own costs and that it has to be a formal agreed overdraft to allow them to do this, but its only a niggle and I've nothing to back it up. I would suggest looking through the new Lending Code which all banks have signed up to and see whats in there to use against them... I know there is a section on overdrafts in there.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

Hi Shadow

 

I will check out the new lending code.

The inhouse dca has given me food for thought,don't want to go into too much detail yet, but once its resolved will let you know how it goes

 

Best wishes

cas

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...