!!!HELP!!! HSBC Charges

[J&K]

Hello to all,

 

As I'm new to this I was hoping someone could help me???

 

My partner and I opened a joint account with HSBC around Dec/Jan time and initially were told we couldn't put an overdraft onto the account until they'd seen regular debits and credits on the account.

We accepted this quite happily and thought nothing of it, until one day I was sat working out our income and outgoings for the following weeks and realised that there would be an instance where we were likely to be overdrawn. Rent coming out before wages go in, that sort of thing.

 

Now by this point we'd had the account fully active for a good couple of months and we're advised in the branch that we should have no problem being accepted for the overdraft we wanted. May I add, we only wanted to ensure there was a couple of hundred, not thousands, available.

 

I applied a few days later through the online service, only to have it show £25 admin charges on our account a short while later. When i then looked into this I found it was as the overdraft had been denied and they were charging us £25 for the priveledge, even though, they hadn't actually informed us the application had been refused! This amount was then taken directly out of the account.

 

In the meantime, as predicted, we went slighly overdrawn (when i say slightly, I'm talking about £7) which has since resulted in us being charged a further £25.

 

I'm feeling a little conned by this, in a nutshell, we told them we would be going overdrawn, applied for the overdraft, they refused it, we went overdrawn despite trying our utmost not to and they've charged us twice anyway!!

 

All I'm hoping to find out, is if they can do this? And if not, how do i go about getting our money back???

 

Any help would be greatly appreciated!

[saintly_1]

Hi and welcome to CAG

 

Spend sometime familiarising yourself with the site. Make sure you read the site rules and the FAQ's.

 

A couple of useful links are the How do I guide to the forum and the A to Z Index

 

Then when your ready start a new thread in the appropriate forum. The HSBC forum is located here

Copy and paste this post into a new thread there and you will get help from people who have had dealings with HSBC

 

saint

[ANDENA]

Hi and welcome to CAG

 

Spend sometime familiarising yourself with the site. Make sure you read the site rules and the FAQ's.

 

A couple of useful links are the How do I guide to the forum and the A to Z Index

 

Then when your ready start a new thread in the appropriate forum. The HSBC forum is located here

Copy and paste this post into a new thread there and you will get help from people who have had dealings with HSBC

 

saint

Ithought they only charge if its over £10 i would consider getting rid of HSBC

[Mr lex]

I thought they only charge if its over £10 i would consider getting rid of HSBC

 

Thats a nice thought Andena,

 

They have just charged my son a total of £225 for am original 'mistake' of £3.50p. Get rid of HSBC ? bring them all to heel I say

 

Lex

[ANDENA]

LEX go to HSBC thread as we are here to help you,there is loads of us with same problems, if it was bank mistake go and see them to get it put right try any way.

[Mr lex]

Hi Andena, and J&K, thanks, I'm already there !!

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/143028-long-lex-hsbc.html

 

Lex