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Hey there legal beagles,
I literally just signed up after one too many unpleasant phonecalls from HSBC from non-english call centre advisors who just make the stress all too much more than it should be (i am a call cente advisor my self but when it comes to me being on the other end of the calls it's a completely different matter!!!)
I got told about this site by a good friend after complaining about how much money hsbc constantly take from me. So i'm hoping you can help me and tell me if i can actually write to claim anything back.
So ive been with hsbc with a normal bank account since about january 07 and took out a credit card with them in august 07.
In April 08 i moved out on my own so had to put my overdraft up. Hsbc charge everytime you put your overdraft up. Being young i didn't want to put it up by much, so went over my overdraft the same month. Which meant another charge. So the next month i pay both charges, plus another charge to put the overdraft up again. This happened another time. But then also around here they messed up one of my payments to my credit card, but i managed to get this refunded and sorted out.
A few months down the line i get hit with some unknown bills, its a week before payday, my credit card is at its limit due to buying stuff to furnish the house and downpayments etc. so i ring up to up my overdraft just by a hundred and get told i cant. so i have absoloutly no money, i have bills due, i need ot eat so what else could i do apart from use the card anyway. so got hit with about £75 of charges. so at this point i hate them due to constant useless call centre advisors, constant charges probably reaching upto like £300. So i move banks. Because of this i cancel all Direct debits. In the first month i make one of payments. One being to the credit card of £10. Previously i have always paid £100 a month but as i was just doing a one of payment whilst sorting everything out before setting up DDs/standing orders for the following month.
I get a call from HSBC telling me my mc has gone into collections due to missing the monthly min payment. my payment is due on the 1st of each month. i put 10 in before the first of August. The call centre advisor said my min payment is due of £40-£50. I tried to argue how is that so when my min. payment as stated on the back of all printed statements is off £5. She did not listen to me (as ever!!!!!) and did not understand (AS EVER!!!!) so i hung up (as usual!!)
Can anyone make any sense of what i just wrote and advise me if i can claim for any of these constant charges they have been hitting me with? or just share my anger at hsbc!!!!!
Very annoyed,
with regards,
Kiera
I literally just signed up after one too many unpleasant phonecalls from HSBC from non-english call centre advisors who just make the stress all too much more than it should be (i am a call cente advisor my self but when it comes to me being on the other end of the calls it's a completely different matter!!!)
I got told about this site by a good friend after complaining about how much money hsbc constantly take from me. So i'm hoping you can help me and tell me if i can actually write to claim anything back.
So ive been with hsbc with a normal bank account since about january 07 and took out a credit card with them in august 07.
In April 08 i moved out on my own so had to put my overdraft up. Hsbc charge everytime you put your overdraft up. Being young i didn't want to put it up by much, so went over my overdraft the same month. Which meant another charge. So the next month i pay both charges, plus another charge to put the overdraft up again. This happened another time. But then also around here they messed up one of my payments to my credit card, but i managed to get this refunded and sorted out.
A few months down the line i get hit with some unknown bills, its a week before payday, my credit card is at its limit due to buying stuff to furnish the house and downpayments etc. so i ring up to up my overdraft just by a hundred and get told i cant. so i have absoloutly no money, i have bills due, i need ot eat so what else could i do apart from use the card anyway. so got hit with about £75 of charges. so at this point i hate them due to constant useless call centre advisors, constant charges probably reaching upto like £300. So i move banks. Because of this i cancel all Direct debits. In the first month i make one of payments. One being to the credit card of £10. Previously i have always paid £100 a month but as i was just doing a one of payment whilst sorting everything out before setting up DDs/standing orders for the following month.
I get a call from HSBC telling me my mc has gone into collections due to missing the monthly min payment. my payment is due on the 1st of each month. i put 10 in before the first of August. The call centre advisor said my min payment is due of £40-£50. I tried to argue how is that so when my min. payment as stated on the back of all printed statements is off £5. She did not listen to me (as ever!!!!!) and did not understand (AS EVER!!!!) so i hung up (as usual!!)
Can anyone make any sense of what i just wrote and advise me if i can claim for any of these constant charges they have been hitting me with? or just share my anger at hsbc!!!!!
Very annoyed,
with regards,
Kiera
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