hsbc

cjjhbn

hi guys
just wonder if you can help me i dont have a overdraft yesterday i brought some train tickets and today i brought some shopping online just got home from work and looked at my online account balance and i was over drawn £2.76 i have just transfered money from another account to put this account in credit again do you think they will charge me a fee as i have rectified this on the same day
also why would hsbc let my account go - £2.76 when i dont have a overdraft on this account

YorkshireBoy

cjjhbn wrote: »

i dont have a overdraft

Why not? You clearly need a facility if you're not paying attention to your financial affairs.

do you think they will charge me a fee

No. If you want to know why, then see your account T&Cs, price list, and fair fees policy...

https://www.hsbc.co.uk/1/PA_1_1_S5/content/pws/content/personal/pdfs/gen-price-list.pdf

why would hsbc let my account go - £2.76 when i dont have a overdraft on this account

To provide a service. After all, they perhaps thought you were 'desperate' for the shopping you bought online...rather than simply being lax with your finances?

Gentoo365

If they charge you for being £2.76 overdrawn and then rectifying it on the same day I would be surprised.

You would no doubt be able to get the fee refunded by making a phone call.

I also suggest you get a small overdraft or buffer zone of about £200 or so in case it happens again.

The reason that they allowed you to go overdrawn is that small amounts don't always get checked in real time. They have issued you with a proper debit card and trust you to use it.

It would be a bit harsh for them to reject the payment for such a small amount.

(except if you had a basic bank account)

BlueAngelCV

YorkshireBoy wrote: »

Why not? You clearly need a facility if you're not paying attention to your financial affairs.No. If you want to know why, then see your account T&Cs, price list, and fair fees policy...

https://www.hsbc.co.uk/1/PA_1_1_S5/content/pws/content/personal/pdfs/gen-price-list.pdf
To provide a service. After all, they perhaps thought you were 'desperate' for the shopping you bought online...rather than simply being lax with your finances?

Is there any need to be so rude?

YorkshireBoy

BlueAngelCV wrote: »

Is there any need to be so rude?

I'll answer your question with a question...

Ever heard the phrases 'cruel to be kind', 'tough love', and 'the truth hurts'?

iluvsaving

cjjhbn wrote: »

also why would hsbc let my account go - £2.76 when i dont have a overdraft on this account

you spent more money than you had yet its HSBC's fault that this happened. Logic?

gghh

Hi,

Can anyone advise me please?
I had a £50 overdraft for years with hsbc then a couple of months ago they sent me a letter saying they were going to charge me £25 a year for this priviledge, i thought sod that and cancelled immediately.
Stupidly last week I went overdrawn, i'm a single parent who works part time and lost some wages last month as my son was ill so I had to stay off work, basically it got to a few days before payday and i had no money left but needed food. I have now noticed on my online banking that hsbc are going to charge me £50 for going overdrawn. I can't afford this, if they take it then I'll end up going overdrawn next month too and it's just going to keep happening, is there anything i can do about it? It's the first time I've been over any agreed limit in about 5/6 years!

Thank in advance for any advice (except be more careful with money because i simply don't earn enough!! )

iluvsaving

gghh wrote: »

Hi,

Can anyone advise me please?
I had a £50 overdraft for years with hsbc then a couple of months ago they sent me a letter saying they were going to charge me £25 a year for this priviledge, i thought sod that and cancelled immediately.
Stupidly last week I went overdrawn, i'm a single parent who works part time and lost some wages last month as my son was ill so I had to stay off work, basically it got to a few days before payday and i had no money left but needed food. I have now noticed on my online banking that hsbc are going to charge me £50 for going overdrawn. I can't afford this, if they take it then I'll end up going overdrawn next month too and it's just going to keep happening, is there anything i can do about it? It's the first time I've been over any agreed limit in about 5/6 years!

Thank in advance for any advice (except be more careful with money because i simply don't earn enough!! )

Simple, speak to HSBC about this.

gghh

haha yes i will, but they are closed and i was just hoping to get some advice in the meantime. thanks

nick_

In answer to the £50 overdraft post, HSBC are usually very good with first time offenders. I've had it happen to me before (totally my fault) and they cancelled the fee's as a gesture of good will.

I would stress however that if you are a repeat offender not to expect much from them, but then who can blame them!?

I must say having banked with most of the big high street's HSBC are one of the best. Their customer service is first class and everything just works exactly how it should!

waynedance

cjjhbn wrote: »

hi guys
just wonder if you can help me i dont have a overdraft yesterday i brought some train tickets and today i brought some shopping online just got home from work and looked at my online account balance and i was over drawn £2.76 i have just transfered money from another account to put this account in credit again do you think they will charge me a fee as i have rectified this on the same day
also why would hsbc let my account go - £2.76 when i dont have a overdraft on this account

Ok this is simple as you only "brought" the items home you should be fine, if you had "bought" the items then you may have gone overdrawn.

Sorry its late and could not resist, strike me down. On a lighter note you should be fine as it was sorted on the same day.