Jump to content


  • Tweets

  • Posts

    • Why so many loans? I would question whether there has been irresponsible lending here. What checks did these lenders complete, before they loaned the money? At some point, suggest you send SAR requests to each company to check what is on file.  
    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. Although MitM thought you didn't need a lawyer, is s/he going to be at court wit you? HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

HSBC overdraft charges


silverbirch
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4686 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement.

 

I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse.

 

This is there reply:

 

Case: ******* statement enquirese (why a case number, i just asked a question)

 

I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period.

 

Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following:

 

6 dec - £1553.33 overdrawn

7 dec - £1662.16 overdrawn

12 dec - 1548.07 overdrawn

13 dec - 1606.07 overdrawn

14 dec - 1984.37 overdrawn

 

please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit.

 

Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit.

 

Yours sincerely

M Bowden

manager customer credit services

Link to post
Share on other sites

I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement.

 

I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse.

 

This is there reply:

 

Case: ******* statement enquirese (why a case number, i just asked a question)

 

I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period.

 

Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following:

 

6 dec - £1553.33 overdrawn

7 dec - £1662.16 overdrawn

12 dec - 1548.07 overdrawn

13 dec - 1606.07 overdrawn

14 dec - 1984.37 overdrawn

 

please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit.

 

Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit.

 

Yours sincerely

M Bowden

manager customer credit services

Link to post
Share on other sites

to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again.

 

Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

Link to post
Share on other sites

to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again.

 

Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

Link to post
Share on other sites

demand your money back

If you know how much then you can just send a letter from the library giving them 14 days to cough up or else they get the Good News.

 

Open another account elsewhere

Link to post
Share on other sites

demand your money back

If you know how much then you can just send a letter from the library giving them 14 days to cough up or else they get the Good News.

 

Open another account elsewhere

Link to post
Share on other sites

The banks appear to be under the impression that they can charge "punishment charges" to people, and then follow the logic that if they can create the situation that they can apply the punishment charges to, that gives them some god-given right to go ahead.

 

One thing that disturbs me greatly is they are widening the scope of this. Originally it was specifically the low paid (benefits a main target) who were subject to this, but now they appear to be extending it to ANYONE who has an overdraft. ANYTHING to drive those people a few pounds over the agreed limit, and then they have an excuse to apply charges without warning, when doing so would again cause the overdraft to go over its limit - result: a domino effect of charging which is extremely hard for the customer to break out of, and extremely profitable for the banks.

Link to post
Share on other sites

The banks appear to be under the impression that they can charge "punishment charges" to people, and then follow the logic that if they can create the situation that they can apply the punishment charges to, that gives them some god-given right to go ahead.

 

One thing that disturbs me greatly is they are widening the scope of this. Originally it was specifically the low paid (benefits a main target) who were subject to this, but now they appear to be extending it to ANYONE who has an overdraft. ANYTHING to drive those people a few pounds over the agreed limit, and then they have an excuse to apply charges without warning, when doing so would again cause the overdraft to go over its limit - result: a domino effect of charging which is extremely hard for the customer to break out of, and extremely profitable for the banks.

Link to post
Share on other sites

  • 3 weeks later...

Well, i'm getting organised, i've gone through my online statements on this account and my other accounts with hsbc and the total charges they have taken in the last 6 years = £767.00 I've put this with the dates in the spreadsheet provided here and the interest takes it to £952.17

 

I've opened a bank account elsewhere for myself so i have a back up and hubby is in the process of doing the same as the one account is joint so nearly ready to go.

 

Something i noticed though when going through all the charges is that the charging amounts used to be the same every month regardless of how much i exceeded my overdraft limit, it was always a set fee of £27.50 which in 2003 went up to £36 then in 2004 dropped to £18, 2005 it was £20 so why in 06 does it suddenly shoot up to £125 for both jan and feb? Have hsbc changed there terms and conditions relating to charges? does anyone know? as if i had been charged similar to previous occasions i know i wouldn't be taking steps to get my money back but would have just accepted it.

 

confused

Link to post
Share on other sites

You know that you don't claim the 8% yet, don't you. Only when you ut the claim in. As to why ....? I'm sure that God only knows - maybe.

Link to post
Share on other sites

  • 5 years later...

i got charged 150 quid, no warning, just pre notified on my statement, went into the bank to find out why ect, very unhelpful staff. of course there was also on top of that a 12.95 account fee and i got interest added to my account of a whopping £1.02.

Link to post
Share on other sites

  • 7 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4686 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...