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:mad: I have two "accounts" with HFC Bank - part of HSBC - one is a credit card and the other is from a electrical purchase which i pay DDs to each month. The customer service at this place is awful, they keep taking DDs when not supposed to resulting in my bank charging me, refuse to talk to third parties (i.e. my bank) to resolve problems, even with my permission - my bank is happy to talk to them. I could go on ...... Anyway, i'm fed up with it and a tad angry. To the point ... do i have to deal with HFC or HSBC ... anyone else had dealings with them?
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Hi GSB.

 

they keep taking DDs when not supposed to resulting in my bank charging me,

I presume you mean on the wrong date.

You should be aware that the banks pay out before they pay in, so if you make deposit, that money will not reach your account until close of business....The outgoings DDs etc go out at the start of business.

 

Te be sure of covering a payment, you need to pay in at least the previous day.

 

Regards, Rooster.

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No .. what has happened is that I didn't have funds to cover the original DD on the normal date .. my fault .. then HFC phoned me asking me to arrange alternative payment, which i did through another acc. that i have just opened. They also said that they (HFC) would waive their £15 charge. So 10 days or so later their system automatically tries to take the DD again from the same acc. resulting in my bank taking £60 (2 charges) from my acc. So when i got paid on the 22nd by BACS, £60 had gone before i could even get to it!!!

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Your claim will be against the ones who took your money in unlawful, charges.

If you need to send a dpa request then by sending this to HSBC you should get everything held by associated companies including HFC,and any credit/debit cards associated with your account with HSBC.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You should be aware that the banks pay out before they pay in, so if you make deposit, that money will not reach your account until close of business....The outgoings DDs etc go out at the start of business

 

I'm with Lloyds and if I check internet banking and a direct debit causes me to go over my limit, I can deposit money in later that day and I wont get charged.

 

Do not all banks adopt that approach?

 

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I don't know, but Barclays certainly pay outs before ins.:mad:

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I'm with Lloyds and if I check internet banking and a direct debit causes me to go over my limit, I can deposit money in later that day and I wont get charged.

 

Do not all banks adopt that approach?

 

(sorry for hijacking)

 

I think if it is within that banking day ie before 3.30pm then it does prevent an overdraw but thats the theory....I have been down to the Halifax and been told specifically that all is ok only to find later that its not.

My advice if you find yourself in this position and you go down and get clarification is to get the tellers name.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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