Bank charges help and advice needed

jdavidson

Hello

We were in the process of claiming back over £2000 in bank charges before the case was closed. We were claiming as a priority case as we are in financial hardship having just had a baby.
We thought that was the end of it, tough basically.
however after speaking to my new bank Santander recently they said new cases are still looked at.
The main point of our arguement is that HSBC were charging £120 a go for going over drawn. The worst part was they were taking that £120 on the 28th of the month when the account was £60 in the black. This would then take the account overdrawn and the following month they would then charge yet again another £120 and take the account overdrawn.
Is there a case for trying to reclaim some of this money and how now do we go about doing it?

Please help

thanks

John & Diane

natweststaffmember

jdavidson wrote: »

Hello

We were in the process of claiming back over £2000 in bank charges before the case was closed. We were claiming as a priority case as we are in financial hardship having just had a baby.
We thought that was the end of it, tough basically.
however after speaking to my new bank Santander recently they said new cases are still looked at.
The main point of our arguement is that HSBC were charging £120 a go for going over drawn. The worst part was they were taking that £120 on the 28th of the month when the account was £60 in the black. This would then take the account overdrawn and the following month they would then charge yet again another £120 and take the account overdrawn.
Is there a case for trying to reclaim some of this money and how now do we go about doing it?

Please help

thanks

John & Diane

Did you approach HSBC with regards to financial hardship?
Did you complete and income and expenditure form with them?

Premier_2

jdavidson wrote: »

...The main point of our arguement is that HSBC were charging £120 a go for going over drawn. The worst part was they were taking that £120 on the 28th of the month when the account was £60 in the black. This would then take the account overdrawn and the following month they would then charge yet again another £120 and take the account overdrawn. ...

Why are you being charged £120 a go?

HSBC's typical charge for arranging an overdraft is just £25

jdavidson

no idea why they were charging so much. the charge was more than the amount over the overdraft limit each time.
we did write to them and explain about financial hardship and they replied saying they would not refund anything but we could come into the branch to discuss how best to save money etc in future.

jdavidson

do we have a case to take further and how could we do this?

Premier_2

I think you simply need to understand why you think you are being charged £120 each time you go overdrawn. Ask the bank to explain the charges, and in the unlikely event they agree with your interpretation, ask them to show you where in their tariff they state this will be the charge.

Oh, and then ask them to explain their their fair fees policy, and more particularly why it doesn't apply to you.

Any chance you could do this today or tomorrow at the latest. Your delay of 11 days since the last response suggests you are not in the financial hardship you think you may be in.