HSBC wankers!! need adivce guys ?

Discussion in 'Waffle' started by _MILLA, Apr 18, 2012.

  1. _MILLA

    _MILLA Flamboyant muthafucka

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    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!
     
  2. logikz

    logikz I Am Not The King Staff Member

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    so 250? whats your girl say about this, is she rich? she looked rich.
     
  3. _MILLA

    _MILLA Flamboyant muthafucka

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    yeah dude 250!

    naa bro , unforuntaely not haha she is keepin me sane tbf to her..
     
  4. hyperd4eva

    hyperd4eva DJ BUSTER

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    I ended up threatening HSBC with court due to charges mate. ending up having to pay the cunts anyway. literally all you can do is go into the branch (make an appoint though) and plead with them. Sit them down and give them a sob story about how your father is dieing and you cannot afford to pay your rent or someshit. I did this and they waiverd the charges. I always stress to people. if you see you are overdrawn, ring the bank straight away, explain the situation and just tell them you will try your hardest to get the money back to in credit asap. By doing this you have already beaten them at there own game. they have to give you a little time after you have called them, if you done they will charge you without u knowing per day . and FYI - an overdraft charge should be anything from 25 to 30 quid per day with hsbc. work out how long you have been over.

    if not ill buy your decks for 125 quid :teeth:
     
  5. sam the dnb man

    sam the dnb man Variation

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    Never lie about shit like that man
     
  6. hyperd4eva

    hyperd4eva DJ BUSTER

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    not neccesarilly that, but you catch my drift.. i just said i couldnt pay my mum and dad rent therefor they would fall behind on there mortgage payment!
     
  7. dirty breaks

    dirty breaks Guest

    I've got to sort out the charges that Lloyds are about to fuck me over with... if they don't cancel it I'm taking all my money out and telling them to fuck off.
     
  8. _MILLA

    _MILLA Flamboyant muthafucka

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    yeah man theyre dick heads!
    i have never ever had an overdraft so why have i all of a suddern got one :/

    im gna go back tomoro and tell them str8!

    ---------- Post added at 15:44 ---------- Previous post was at 15:41 ----------

    ps... the decks have already been sold :( lol
     
  9. DeeGun

    DeeGun Socialist

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    Wow, now thats one cuntish bank. Happened to me before, never had an overdraft..then had one after a night where a lot of money was gone :teeth: Then a couple of months later it was gone again, no whatsoever Information on this. Fackin cunts but I got my revenge with a spraycan involved. That happens when you´re not covering the whole area with cameras, haha! BASTARDS!
     
  10. dirty breaks

    dirty breaks Guest

    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.uk/consumer/complaints.htm

    :2thumbs:




    (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)
     
  11. drp81

    drp81 Member

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    HSBC are utter, utter cunts for this sort of thing. used to bank with them but they continually did this shit, had a credit card i didn't use for years, paying monthly to clear down the balance. they charged higher interest than the monthly payment, then charged me cos it was going over the limit. i should've checked my statements but didnt, wound up woth a £750 balance on a £500 card! fucked that off, transferred the lot to some other zero balance shit and paid it off, but would never use them again.

    speak to their debt management dept, they can talk through your outgoings/income etc and basically try and arrange a min monthly payment to clear the balance - i did this shit and just started using another bank. they're fuckers and won't try and help you one bit, but it's in their interests to get the money they claim to be theirs and the likelihood is they can do it legally cos nobody reads the fine print that says they can charge the crap out of you.

    best thing to do would be to use a different account for wages/bills/etc then pay hsbc a tenner a month or whatever until it's gone. if you're lucky they will agree to freeze the interest until the balance is cleared.

    wankers.
     
  12. Freek

    Freek Lets get freeeeeeky

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    mate banks are the worst f##ing scum.. and luckily there are always ways of making sure you dont get messed around by them.

    Call the call centre, ask them to give you the exact date you agreed to a £125 overdraft, ask how it was agreed and how you have signed this agreement.
    then when they give you a load of bull, ask to make a formal complaint, explain to them that you have not agreed to the credit and have not signed any credit agreement. Let them know that if they do not uphold the complaint it is your full intention to go to the FOS.. considering the lack of evidence the FOS are likely to carry out a review of your complaint. Every review the FOS carries out costs the bank a £500 referal fee regardless of whether or not the complaint is justified. So would the bank prefer to waive the charges and allow you to just pay back the £125 you "borrowed" and then call it quits, or will they charge you, let it go to the FOS get charged a £500 referal fee plus if your complaint is upheld they will be required to reimburse the £125 charge + compensation + 8% interest based on the amount of time it took for the complaint to be reviewed.

    Honestly, as soon as you spell it out to them like that, your charges will probs get waived... Plus if not, go to the FOS and you'll likely end up with a nice payout at the end of it.

    I did it with natwest, got paid bare compensation n letters of appology etc, slightly different circumstances but still all boils down to banks thinking they can do what ever they want with no consequence.

    If all else fails just set light to the f##kin building and watch it burn!

    ---------- Post added at 16:20 ---------- Previous post was at 16:17 ----------

    id like to point out that a credit agreement cannot be put in place without you agreeing to it prior to the credit being provided.

    If you really didnt have an overdraft before, and have not discussed it with anyone at the bank prior to this incident, the bank have commited a breach of the terms and conditions of the banking agreement.
     
  13. JHSE23

    JHSE23 the yen

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    You cant beat the banks.
     
  14. Freek

    Freek Lets get freeeeeeky

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    You really can mate, i have always won...
     
  15. drp81

    drp81 Member

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    nah but some are better than others. mine emailed me to say that i was over my overdraft limit, but if i got back within it in 7 days they wouldn't charge. they've waived loads of charged before as well, as long as you're reasonably sensible with your money they are quite good.
     
  16. hyperd4eva

    hyperd4eva DJ BUSTER

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

    richie_stix gomby plz

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    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!
     
  18. _MILLA

    _MILLA Flamboyant muthafucka

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    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!!
     
  19. richie_stix

    richie_stix gomby plz

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    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 ;)
     
  20. dirty breaks

    dirty breaks Guest

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

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