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Arrangement fees

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Since getting my money back from HSBC they have started applying more disproportionate fees to my account.


Previously it would always appear as TOTAL FEES but now they have re-worded thier letters and are calling them ARRANGEMENT FEES.


They have stated it is because I have exceeded my overdraft limit more than once in 6 months and are going to be applying a £100 fee at the end of this month.


Is this reclaimable? I can guarantee that this £100 will make me exceed my overdraft limit again thereby giving them justification to exactly the same next month, and every month after until I can get my finances in order.



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Just read a few of the similar posts, although HSBC are trying to make this look like a service; it is still a penalty charge for breach of contract.


As far as I can see they have to either prove that the cost reflects thier actual losses or give me my money back. I think a second claim will be going thier way soon.

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