HSBC recharging me after i got old charges back - now saying they changed T&C's !!!!!

sarahpopple

I don't know what to do!

HSBC refunded me £2348 of a total of £2460 claim and last month they still allowed me to go overdrawn and charged me £96 and this month i am about to be charged £150.00

I know i shouldn't go overdrawn but my situation is that i can't help it.

they say that they can charge me this and i can't challenge it because they have changed their terms and conditions ... i am not happy with this

Not only are they still charging me - they are not trying to help me get out of debt in anyway whatsoever. Also they have upped their charge limit to £150 - when it used to be £125....

Are they able to do that?
When i challenged them on this, they said - we sent you a letter with new terms and so we are allowed to charge this!!!!
when i pointed out this was like walking up to someone telling them they were going to punch them and then doing it - and i have had no response.

I have asked them to justify their costs and also break down the costs - i have heard nothing.

i am cross!!

joolz43

Why don't you change banks?

sarahpopple

Well i owe them so much money i wasn't sure where i stood... good point tho...
I have another account with Smile Banking, but i am not happy with them... they are a part of Cooperative and i hear they are terrible to deal with.

have you any advice for a good bank?

tanith

I would of thought that getting back all that money would of made you more determined to not go overdrawn and give the bank the opportunity to get back at you. The only answer is change banks or don't go overdrawn...

sarahpopple

tanith wrote: »

I would of thought that getting back all that money would of made you more determined to not go overdrawn and give the bank the opportunity to get back at you. The only answer is change banks or don't go overdrawn...

i know - it would be easy to think that - but i had a car crash and my insurance paid me a pittance for my car... so when this money came through - most of it went on a new car and paying off parts of my credit cards.. i am in a slump!

tanith

Sarah try to get a grip on NOT GOING OVERDRAWN , you are just giving the bank the opportunity to get back at you... can you not cut back to the bone just for a couple of months with your spending so that you are not living off an overdraft? Your bank are rubbing their hands with glee everytime you do so...

dchurch24

They can change the T&C's to whatever they like - call the charges a *service* or anything they like - it's called *cloaking a penalty* and is a legally recognised term.

Claim back as normal, but get a parachute account first. Once your money is being paid into another account, they become a normal debtor just like anyone else and will have to accept your terms or lose.