HSBC, is this fair?

Janscott

Just checked the print out my local branch gave me.

Useless talking to them NO manager only worker bees reading from a script.

Right here goes for charging period 10th Jan to 11 th Feb, 31 days in total:-

£ 4.30 overdrawn for 20 days
£ 9.25 overdrawn for 7 days
£ 210.22 overdrawn for 2 days
£ 160.22 overdrawn for 2 days

So for 27 days of the 31 days charging period I was less than £ 10.00 overdrawn and for the remaining 4 days well overdrawn.

Is is right to charge £ 184.00 for that?

Spoke to local branch said it was calculated on daily overdraft basis who told me to speak to the call center, spoke to them they said the same ( ? same hymn sheet)

If that is correct is it right or legal to charge SO much for a small time lapse?

onlypaddy

ok, so 4 x unauthorised overdraft charges = 4 x £25 = £100

The rest is interest/bounced payments?

HSBC will take their loan payments no matter what, if it was a current account with another bank then it could have been different.

Either way, to simply assume the loan payment would bounce is asking for trouble. you would either be hit with the fees you already have or fees and penalties on the loan.

fooboo

Its a business account, no?

Try this price list: hsbc.co.uk/1/PA_1_5_S5/content/uk/pdfs/en/bus_bnkg_price_list.pdf;jsessionid=0000vxzgTje4ILWdLouuYehIYH-:11j71ffl3