HSBC Overdrawn fine when I didn't have that option of a overdraft!

genevieve_autumn

Moneyineptitude wrote: »

Thanks for informing us, SIX YEARS LATER, that the Bank refunded the charges. I'm afraid I find it hard to believe that they admitted any liability and I suspect any refund would certainly have been a goodwill gesture.

Nothing in your recent posts here contradicts what you were told six years ago, as far as I can see;

lol you never know who reads these posts and has been the same situation as me.


After the poor advice I received on here, which I did not follow fortunately, I stopped using this website and it was only because I came back that I remembered I even had made this post.


And I doubt it was a goodwill gesture as they admitted the error was with them and not with me. If anything it showed me how poorly run the bank was the fact that the computer system can change account contracts without informing the owner of said account in advance or afterwards.

genevieve_autumn

lol in truth neither of us are going to agree with each other, so I'm not going to bother replying anymore as we will go around in circles and its pointless.


I only posted a update, even though 6 years later lol, in case anyone read it and had been through the same, so that they could see if you fight back, you can win, as I did when they removed my £150 charges.

[Deleted User]

lol why does everything have to begin with lol?

[Deleted User]

Deleted_User wrote: »

lol why does everything have to begin with lol?

lol ................

Nasqueron

genevieve_autumn wrote: »

They did admit they were in the wrong because I had a account that did not come with a overdraft and they explained that their computer system changed my account to one with a overdraft as they thought I'd want that. However, I was never informed of this change to my account, which is what they should have done. Hence why they apologised and removed the charges against me.

This was not an unfair fine, they gave you an account with more flexibility, you didn't want that, they reverted.

genevieve_autumn wrote: »

As they changed the terms of the contract and did not inform me, I do think that is unfair treatment and they did realise it was wrong of them to do this without letting me know the contract had changed. They explained that the computer system changed my account and should not have happened, not at least without myself being updated.

Again, it is not unfair, they gave you an account which had the flexibility to avoid OD charges

genevieve_autumn wrote: »

lol and I didn't ask nicely as I was very frustrated that they could change the terms of my contract and they not inform me of this, which made me very suspicious of the bank and hence why I lost my faith in them.

Banks can change the terms and conditions if they like, if a letter gets lost in the post they could still have informed you but you didn't know and they didn't know you didn't know

genevieve_autumn wrote: »

With my new bank they informed me of whether my account has a overdraft or not and what the limits are, with HSBC I had a account that had no overdraft, so I could only ever spend what was in my account and it did not have the function for me to go in debit.

This indicates that you don't know how banking works unfortunately. Lack of an OD does not mean you can only spend what is in your account. It is extremely easy to go into an unauthorised OD (whether you have an OD or not) as there are no live checks on your current balance (many transactions are done "offline") and so if a shop doesn't process your charge immediately (even a day or two late) you can end up spending more than in your account. You will not ever get an account that blocks you spending like that unless you pay only by cash.

genevieve_autumn wrote: »

Then the computer system, their words not mine, changed this so that I could go into debit and because they had not informed me of this, no overdraft was set up and so I was not aware of this and when I did go into debit, it led to me having charges against me.

As above, this isn't how banking works. Having an OD or not doesn't stop you going into debit, the OD actually gave you flexibility.

genevieve_autumn wrote: »

They did admit they were in fault for not informing me of the change and they said it is something they are addressing, hence why they removed the charges against me but with the trust in them lost, that is why I left them.

Yes they made a mistake. However, so did you in spending money you didn't have. If you were careful on your spending then 2 days without internet wouldn't matter as you'd know from the day before how much you had. The OD would actually have prevented the charges. You were charged because you spent more than was in your account and they gave you a goodwill gesture (as banks normally do, it was not some special case for you) to make you go away