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help with hsbc

tomasnorth
tomasnorth Posts: 2 Newbie
in Reclaim bank & credit card charges
HSBC are terrible when it comes to charges. I have an account with them and when I use my card it takes days for it to come on my account so I believe I have more money than I really do have and I am constantly over my overdraft. That means I get a £25 charge everytime I go over.

Does this happen to anyone else and can anyone tell me what I need to do to reclaim my money back.

can you tell in laymans terms step by step as im a little slow

Comments

  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    edited 19 January 2010 at 11:48AM
    tomasnorth wrote: »
    ... I am constantly over my overdraft. ...

    Does this happen to anyone else ...

    It doesn't happen to me. And I can assure you there are many other HSBC customers it doesn't happen to.

    ... but I'm sure you are not alone either!

    With regards to attempting to reclaim, hopefully you've read the MSE article on reclaiming bank charges?
    http://www.moneysavingexpert.com/reclaim/bank-charges

    Please ask if there is any specific part of that article that you don't fully understand.
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    tomasnorth wrote: »
    HSBC are terrible when it comes to charges. I have an account with them and when I use my card it takes days for it to come on my account so I believe I have more money than I really do have and I am constantly over my overdraft. That means I get a £25 charge everytime I go over.

    Does this happen to anyone else and can anyone tell me what I need to do to reclaim my money back.

    can you tell in laymans terms step by step as im a little slow

    I think to be honest that you might want to keep the receipts and if you check your statements online tick off the receipts you have against the statement online. Furthermore, most computers have a calculator usually within accessories section so calculate what you have left as opposed to the receipts you have. It should take only a few minutes each evening.
    A new guide will be out this week with regards to reclaiming. My advice: read as much as you can and do not dive in without understanding what you are doing.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • tomasnorth
    tomasnorth Posts: 2 Newbie
    your lucky then britsh gas just came out today paid 6 days ago over the phone and anything i spend on line takes days to come out i must pay 150 a month in charges and if i can get it back im off on hols lol so do anyone think i hav a chance or should i not botherg
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    tomasnorth wrote: »
    your lucky then britsh gas just came out today paid 6 days ago over the phone and anything i spend on line takes days to come out i must pay 150 a month in charges and if i can get it back im off on hols lol so do anyone think i hav a chance or should i not botherg
    Ask HSBC to recall it under the DD debit scheme as it was taken in error.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    natweststaffmember wrote: »
    Ask HSBC to recall it under the DD debit scheme as it was taken in error.
    :confused:

    I believe the OP is referring to payment card transactions, all of which I presume were authorised, just a little delayed in being posted to his account.
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    That was a misread by me, thanks for flagging that one, premier :o
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
This discussion has been closed.
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