HSBC charges!

tommyc123

Hi all,

I wonder if anyone can help.

I bank with HSBC, in December (when things were tight) I forgot to cancel a £60 savings direct debit out of my HSBC account into another bank account (this came out on the 14th). Due to this coming out I went over my overdraft, the day after my phone bill came out (on the 15th) and I went further over my overdraft. I didn’t realise my mistake until the 16th when I instantly paid the £60 back into my account putting my back in my overdraft limits.

Having logged on today I am due to be slapped with a £50 charge for 2 transactions (£25 each) for going over. Having rung HSBC the bloke on the phone refused to give me it back after I pleaded how this has never happened before and I’ve banked with HSBC all my life.

Anyone have any tips on how I can stop this charge?

Thanks,

Tom

Premier_2

You can't stop the existing charges. You used the service and need to pay the agreed costs for that servce.

To avoid future costs, try to take better care of your finances and don't spend money you don't have

chipbeck

Premier wrote: »

You can't stop the existing charges. You used the service and need to pay the agreed costs for that servce.

To avoid future costs, try to take better care of your finances and don't spend money you don't have

Newby gets a 'Premier' welcome.
Very helpful especially as the OP would appear to have simply made a mistake and unlike myself isn't a complete numpty with his/her finances.

discoass

hi had something similar the other week,i sent an email(via internet banking)asking them to use a bit of common sense .State u made an honest mistake,an that if nothing could be done u would seriously think about banking elsewhere

worth a try

Premier_2

chipbeck wrote: »

blah, blah.

Why do all your recent posts contain personal attacks?

Feel free to offer the OP advice or counter the advice already offered, but please keep the sniping to yourself

"Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps"

MSE_Martin wrote:

...To those posters who have nothing better to do than to snipe, it really would be best if you went elsewhere...

http://forums.moneysavingexpert.com/showpost.html?p=28232151&postcount=31

chipbeck

Premier wrote: »

Why do all your recent posts contain personal attacks?

Feel free to offer the OP advice or counter the advice already offered, but please keep the sniping to yourself

"Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps."

On the one occasion where you gave some meaningful advice I thanked you. I'm not sniping Premier just stating a fact, that fact being that more often than not you offer NO meaningful advice, just advise the poster they have no comeback.

Premier_2

chipbeck wrote: »

... I'm not sniping Premier just stating a fact, ...

You are sniping.

You are not offering any facts, just pesonal opinion that involves lack of courtesy.
And not just me you appear to snipe at. :rolleyes:

http://forums.moneysavingexpert.com/showpost.html?p=27872925&postcount=61

Bye, like MSE Martin "I really can't be bothered with it" (you)

tommyc123

Easy fellas, steady on!

Thanks for the adive everyone i will give it a try!

Cheers,

Tom

chipbeck

tommyc123 wrote: »

Easy fellas, steady on!

Thanks for the adive everyone i will give it a try!

Cheers,

Tom

Nice one, good luck Tommy. Tell me will you :-
a) try and talk to someone at the bank
or
b) Don't spend money you don't have.

natweststaffmember

discoass wrote: »

hi had something similar the other week,i sent an email(via internet banking)asking them to use a bit of common sense .State u made an honest mistake,an that if nothing could be done u would seriously think about banking elsewhere

worth a try

Tommy, I would try this since you made a genuine mistake and paid money in as soon as you were aware, ie you took rational and reasonable action once you were aware of the issue. Common sense should dictate that they do at least come to a compromise with you based on no charges previously on the account, a spotless history and the fact that you corrected as soon as you were aware of the problem.
Good Luck and you may want to write to them and get a written response since telephony staff can sometimes be caught in the moment and simply not follow a common sense approach.

tommyc123

Yeah, i sent an email via my internet banking yesterday, and im still avaiting a reply, we shall see how it goes! ill keep you posted!!