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Hi
I wonder if someone can point me in the right direction?
Without going into too much detail, i am able to prove that, during my divorce, through no fault of my own, my account went into unagreed overdraft.
My ex-wife basically used the telephone which was in my name to run up hundreds of pounds worth of phone bills in one month.
I explained this to HSBC, and let them know that i was getting divorced and that my fianancial situation had changed dramatically.
The overdraft charges levied on me by HSBC amounted to the removal of close to 10% £(1800.00) of my net salary for '07/'08.
This caused me great financial difficulty, resulting in me firstly having to use my credit card, which was then stopped, then having my credit rating ruined, and finally having to take loans from friends and family to stay above water.
Finally the bank has just put me onto a managed loan situation.
In all they have taken my money, ruined my credit, forced me into further debt, and now have put me into a managed situation. Over the past two days, i have recieved 4 calls from their collections department, harassing me for payment.
Please can you advise me as to whether i am able to claim on this? The bank have ruined my life for the past two, going into three years, and have turned a blind eye to the multiple complaints i have made. Now they harass me regularly, after i have made it clear that i simply will not service these accounts until we have resolved this dispute.
I have nothing more to lose, and with this in mind do not only want to pursue the bank for the o/d charges, but i want to pursue them for creating my financial hardship, and basically leaving me with huge debts as a result of the charges they took from me.
Also, i cannot for one second believe that i am the only one. It is not juct the od charges, but the imact that they have as well!
Is this worth pursuing?
I wonder if someone can point me in the right direction?
Without going into too much detail, i am able to prove that, during my divorce, through no fault of my own, my account went into unagreed overdraft.
My ex-wife basically used the telephone which was in my name to run up hundreds of pounds worth of phone bills in one month.
I explained this to HSBC, and let them know that i was getting divorced and that my fianancial situation had changed dramatically.
The overdraft charges levied on me by HSBC amounted to the removal of close to 10% £(1800.00) of my net salary for '07/'08.
This caused me great financial difficulty, resulting in me firstly having to use my credit card, which was then stopped, then having my credit rating ruined, and finally having to take loans from friends and family to stay above water.
Finally the bank has just put me onto a managed loan situation.
In all they have taken my money, ruined my credit, forced me into further debt, and now have put me into a managed situation. Over the past two days, i have recieved 4 calls from their collections department, harassing me for payment.
Please can you advise me as to whether i am able to claim on this? The bank have ruined my life for the past two, going into three years, and have turned a blind eye to the multiple complaints i have made. Now they harass me regularly, after i have made it clear that i simply will not service these accounts until we have resolved this dispute.
I have nothing more to lose, and with this in mind do not only want to pursue the bank for the o/d charges, but i want to pursue them for creating my financial hardship, and basically leaving me with huge debts as a result of the charges they took from me.
Also, i cannot for one second believe that i am the only one. It is not juct the od charges, but the imact that they have as well!
Is this worth pursuing?
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