HSBC wankers!! need adivce guys ?

[hyperd4eva]

^^ this. they are understanding as long as you call them about it. if you ignore it they will get you!

[richie_stix]

so basically i thought i had been paid the other day and i acctually hadnt!
i dont have an overdraft but somehow i have managed to go 125 overdrawn..

the bank was letting me take money out that i didnt have.. i have never been able to do this before but for some reason it was letting me, and giving me no warning!

i went in the bank today to ask how the fuck has this happened and turns out they have charged me 125 pound for taking out 125 pound, thats 100 percent interest :/

wtf like?!

i said i dont have an overdraft and i have never been able to take money out so why has this happened and he just looked at me like i was fuckin stupid!

I have to pay 125 pound to get my balance back to zero.. and i have to pay 125 pound worth of charges on the 9th of may!!


IS THERE ANYTHING I CAN DO ??? i have had to sell my decks to pay off the overdraft

help please!

banks man, i swear they make up rules to piss you off... like i went £50 over my overdraft, no biggie, just a standard fine yagetsme

so i find out today im being charged £6 a facking day for it, cunts!

[_MILLA]

if you still have any paper work from when you got the account the read that now before you go into the branch, try and see if an unplanned overdraft was part of the deal when you signed up, if it wasn't then use that against them, be firm polite and insistent, tell them about how these charges are going to fuck your life up. if the unplanned overdraft was part of the account when you signed up, then tell them you didn't know about it and you didn't ask for it! I personally wouldn't accept any offer of the charges being reduced, i would say that if they can reduce it (for example) in half then they can reduce the charges completely. if they are still not playing ball then take down the names of all the people that you've talked to, the branch address, the time and date and politely inform them that you will be disputing it with the financial ombudsman. however they could potentially say that they offered you a fair deal with the reduction in charges, so it might be a bit of a gamble to do...

http://www.financial-ombudsman.org.u...complaints.htm






(disclaimer: take all advice at your own risk, i am not liable for any negative results of you taking any advice, i posted an opinion, not advice, dont sue me when it all goes wrong blah blah blah)

cheers bro!!
it would be good to get them cut in halff!!

im gna have a dig about for some of the old documents! fingers crossed!!

[richie_stix]

what i dont get is how most transactions bounce if you dont have enough cash, but some send you over? its the sly little things like that, that piss me off... but as has been said, call em and be all super nice at first, they will try and sort it out, i spoke to the finance people and they wavered the £6 charges and increased my overdraft to stop more charges being added

[dirty breaks]

what i dont get is how most transactions bounce if you dont have enough cash, but some send you over? its the sly little things like that, that piss me off... but as has been said, call em and be all super nice at first, they will try and sort it out, i spoke to the finance people and they wavered the £6 charges and increased my overdraft to stop more charges being added

slippery slope mate... trust me, i'm talking with experience...

[Castel]

i have no advise. sorry.

but people selling shit to pay $250? other people increasing over drafts?

the uk sounds like its still fucked.. might have to stay down here for another couple of years

[Sc0tty]

Theres a form you can complete and send off to your bank to reclaim any charges but I guess you would have to pay the charge first

[dirty breaks]

i have no advise. sorry.

but people selling shit to pay $250? other people increasing over drafts?

the uk sounds like its still fucked.. might have to stay down here for another couple of years

I would stay there if i was you mate...

[richie_stix]

slippery slope mate... trust me, i'm talking with experience...

only active for one month homeyslice

[Toejam]

Kick up a fuss, its the only way

A small-ish story a while back i opened an account with hsbc, no money in it, blah blah went and got drunk night out, waited for the taxi, drunken matey checks his bank account for no reason at the ATM, i check mine (knowing theres no money in it) i was tipsy as a gypsy and tried to withdraw money, it let me take £30, i thought wtf, so i typed in £100 thinking (in a drunkard mind) the cash machine was giving out cash. it did, 300 quids worth, bought a round of kebabs for my friends and paid for the taxi home.

Next day, totally forgot about what had happened, reached into my jeans expecting a pocket full of coins, but a fistfull of notes i ran to the bank and explained etc. they shouldnt have let me take any money, no charges or nowt, it was there fault in the end, most expensive kebab round ever, i couldnt claim that back unforunately

[Kenneth4Eva]

the bank wants you in dept mothafuckaaaaah.
seriously. its one way to keep their customers. or should i say "slaves"

the RBS has got me with a hefty overdraft but i only get charged £30 a month which is more than enough within its self.

[ApeCat]

[richie_stix]

ah man, i could listen to him talk allll day!

[miszt]

so basically i thought i had been paid the other day and i acctually hadnt!
i dont have an overdraft but somehow i have managed to go 125 overdrawn..

the bank was letting me take money out that i didnt have.. i have never been able to do this before but for some reason it was letting me, and giving me no warning!

i went in the bank today to ask how the fuck has this happened and turns out they have charged me 125 pound for taking out 125 pound, thats 100 percent interest :/

wtf like?!

i said i dont have an overdraft and i have never been able to take money out so why has this happened and he just looked at me like i was fuckin stupid!

I have to pay 125 pound to get my balance back to zero.. and i have to pay 125 pound worth of charges on the 9th of may!!


IS THERE ANYTHING I CAN DO ??? i have had to sell my decks to pay off the overdraft

help please!

this pracitce was outlawed a couple of years ago, speak to the bank manager, tell them that you know these charges are completly unjustified and demand that they pay back all the charges or you will goto the ombudsman and seek further compensation

---------- Post added at 12:35 ---------- Previous post was at 12:35 ----------

http://www.financial-ombudsman.org.uk/

do actually speak to them, you WILL get your money back

[rob_del_terror]

natwest wanted to charge me £300 in charges from being over drawn through christmas. they'd already taken 130 and were going to take another 185. i kinda knew id been over drawn but played ignorant to the fact. i phoned them and told them i usually get a text to let me know im overdrawn but id not had one for 2 months (bollocks). my account balance got reduced back to 0 and all the charges got wiped. in fact i was able to draw out a tenner the next day.

tell them its not on, you cant afford these inevitable charges, or to pay the over draft and if they uphold it you'll simply change banks today whilst you've still got a reasonable credit score. tell them all incoming payments get switched and you'll nause them off for every penny as it wasn't your fault. they can do what they want really, if it means keeping a customer they'll usually be reasonable.