Payment plans & Reclaiming charges

Ralphy101

Had a partial payout with Nationwide last month.

So i thought i would then tackle HSBC.

However HSBC have come back to me and said because i have a payment plan set up to tackle my Council Tax Arrears, they do not consider this to be hardship ( even though the fact of the matter is I am in arrears?).

To stop me encountering Charges every month they said they would incease my overdraft to a temp one to cover bills. However i would have to trade in my debit card for a cash card, which i have done.

Now they have increased my overdraft, i wont get charges, however I am still having to pay off the increased overdraft, and it is still money going into their pocket?!

Can anybody help me!

I still want to claim but feel abit tied down now because i have agreed to the temp. overdraft.

Has anybody had any experience of this/ and can help me?

Thanks

natweststaffmember

Ralphy101 wrote: »

Had a partial payout with Nationwide last month.

So i thought i would then tackle HSBC.

However HSBC have come back to me and said because i have a payment plan set up to tackle my Council Tax Arrears, they do not consider this to be hardship ( even though the fact of the matter is I am in arrears?).

To stop me encountering Charges every month they said they would incease my overdraft to a temp one to cover bills. However i would have to trade in my debit card for a cash card, which i have done.

Now they have increased my overdraft, i wont get charges, however I am still having to pay off the increased overdraft, and it is still money going into their pocket?!

Can anybody help me!

I still want to claim but feel abit tied down now because i have agreed to the temp. overdraft.

Has anybody had any experience of this/ and can help me?

Thanks

It seems reasonable and remember the amount outstanding is gaining interest every day that they do not pay out.

Ralphy101

knew i could count on you to reply !

However it is still paying them money... thats whats bothering me, they take away the charges but just masking it behind the new overdraft.

Oh.... I have sent Nationwide a letter, asking them if its their final repsonse to my harsdship case, and advised i would bank the £400 approx as an interim. etc. Asked them to reconsider their offer and state if final. Otherwise i will go to the FOS.

Nothing yet, but will keep you posted.

natweststaffmember

Ralphy101 wrote: »

knew i could count on you to reply !

However it is still paying them money... thats whats bothering me, they take away the charges but just masking it behind the new overdraft.

Oh.... I have sent Nationwide a letter, asking them if its their final repsonse to my harsdship case, and advised i would bank the £400 approx as an interim. etc. Asked them to reconsider their offer and state if final. Otherwise i will go to the FOS.

Nothing yet, but will keep you posted.

And they are still paying you as well