HELP letter from bank bout bank charges

corinnewardle

hi
i sent a letter to claim my bank charges bank because am in hardship i sent the hardship form back what they sent me
ive received a letter to say that they where giveing me £551.25 as a good will gesture and that they have now closed my financulty hardship claim! i was claiming back £2500
then it says that regarding my comlaint of the unauthorised overdraft charges will be delt with once the legal proceedings between the banks and the fair trading are concluded!which then the £551.25 will be deducted of the amount!
what do i do know they say if am not happy to contact the osbasoman

i thought they had to pay people that where in hardship! any help please also they put it into the account that i have -£700 in which i pay £10 a week back should i beable to withdraw the £551.25
any help
thanks
corinne

natweststaffmember

corinnewardle wrote: »

hi
i sent a letter to claim my bank charges bank because am in hardship i sent the hardship form back what they sent me
ive received a letter to say that they where giveing me £551.25 as a good will gesture and that they have now closed my financulty hardship claim! i was claiming back £2500
then it says that regarding my comlaint of the unauthorised overdraft charges will be delt with once the legal proceedings between the banks and the fair trading are concluded!which then the £551.25 will be deducted of the amount!
what do i do know they say if am not happy to contact the osbasoman

i thought they had to pay people that where in hardship! any help please also they put it into the account that i have -£700 in which i pay £10 a week back should i beable to withdraw the £551.25
any help
thanks
corinne

Corinne, the bank does not have to pay out 100% on financial hardship,
Firstly let's deal with their offer. If it is paid back into the account how much as of today would you be able to withdraw?

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the priority arrears being paid via a payment plan?

esmerellda

HSBC should tell you how they have arrived at that figure and if it is calculated on portions of priority debts they should allow you to withdraw that amount.