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I am so worried I feel sick
desperate84
Posts: 28 Forumite
I sorted my arrangement with MBNA for my loan..that was fine, no problems
I wrote to HSBC about my credit card and my overdraft (totally £3000). I have not heard anything back from them, but my account is now totally transfered. I am now with the co-operative bank. Quite pleased as although I applied for cashminder account I got a visa debit card and chequebook which makes things easier for me (no overdraft obviously)
Anyway, I have just logged on to HSBC and they have charged me £120 for an 'arrangement' fee, which I assume is for being over my overdraft.
I am so bloody angry with HSBC:mad: Will they keep adding this every month or is it just a one off?
I feel sick with worry about the whole thing. Although I will have more money, I have effectively wrecked my financial life until I have paid these debts
I just so badly wish I had never been made redundant, become a single mum etc etc:mad: Neither of which were my fault, but you know who it feels
What shall I do about HSBC? I wrote to my branch of HSBC..Was that right? When should I hear from them?
I don't need this stress, I'm 7 months pregnant:eek:
I wrote to HSBC about my credit card and my overdraft (totally £3000). I have not heard anything back from them, but my account is now totally transfered. I am now with the co-operative bank. Quite pleased as although I applied for cashminder account I got a visa debit card and chequebook which makes things easier for me (no overdraft obviously)
Anyway, I have just logged on to HSBC and they have charged me £120 for an 'arrangement' fee, which I assume is for being over my overdraft.
I am so bloody angry with HSBC:mad: Will they keep adding this every month or is it just a one off?
I feel sick with worry about the whole thing. Although I will have more money, I have effectively wrecked my financial life until I have paid these debts
I just so badly wish I had never been made redundant, become a single mum etc etc:mad: Neither of which were my fault, but you know who it feels
What shall I do about HSBC? I wrote to my branch of HSBC..Was that right? When should I hear from them?
I don't need this stress, I'm 7 months pregnant:eek:
November
1210 Egg 17.9%APR
1944 HSBC 15%APR
5850 MBNA (on arrangement) 0%
140 MBNA 0%
1360 Halifax 0%
I will get there:beer:
1210 Egg 17.9%APR
1944 HSBC 15%APR
5850 MBNA (on arrangement) 0%
140 MBNA 0%
1360 Halifax 0%
I will get there:beer:
0
Comments
-
Stop blaming yourself for it all, if you need a chat just PM me
.
I think the fee will be a one off, but I'm not really clued up about that kind of thing but I'm sure someone else on here will be.Trying to sort my life out, and I'm going to get there!0 -
Firstly, don't panic. Us preggers ladies don;t need the hassle. Get a cup of tea and calm down.
I'd write them a letter, ask the bank what exactly the fee is for & telling them your financial position, and asking them to take the fee off, freeze the interest and accept XXX per month to pay the debt off otherwise you'll be there all millenium. Send it recorded delivery to their Head Office, and ask for a reply in writing within 7/14 days (depending on how bloody-minded you want to be).
At least you have your new account open, so the hard bit's done. I didn;t get a chequebook with mine, you lucky thing - but I did get an electron card which was more than Mr Obi got lolThis year I'm getting organised once and for all, and going to buy a house with my wonderful other half. And that' s final!
Current Pay Off Target : £1500 :mad:0
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