OK so I've just rung HSBC and spoken to a guy that not only couldn't speak hardly a word of english but what he could say was with an attitude that was incredibly rude and disrespectful. He did, eventually, after about 20 mins of being on hold, explain that both £25 charges have been due to going overdrawn. Surely there must be some way to dispute this? I'm not a happy bunny at all and at this moment in time I'd quite happily squash the manager of HSBC like a bug! Any ideas where I go from now?

I've read numerous diferent things to date and wondered if anyone could clarify this for me? I had an account from approx Aug 2002 until about Jan 2008 with Halifax and duringthis time they charged me for abvsolutely flaming everything. Am i right in thinking that i can send the £10 fee and an S.A.R to them and then attempt to dispute the charges, eventhough the account is now closed???

Ah ha, see now that does make sense! HURRAH! Thank you all sooo much, i'll call them in a little while. Gotta dissappear now or my other half'll kill me for burning the tea. Wouldn't be worth all this if i'm dead now, would it???

Sorry, but i'm really really new to this and VERY VERY confused. I'm hoping someone can advise me what the bests steps are to take. Until now i've just been advised to ensure the post was on the hsbc bank section.

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!

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!

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!

I've got the N95 and I've had it since the day it came out. (I'm not showing off, I just used to work for o2 ) I love it even if now it is a bit battered, it's been dropped, kicked and practically eaten by my slightly grouchy teething godson. It still works perfectly, the only thing that bothers me about it is I can't find anything better to upgrade to !

Hi Helen, I used to work for o2 so i'm not certain as to how relevant the info i'm about to give you is but it's worth looking into. The majority of mobile phone companies will encounter 'internal errors' from time to time and o2 was no exception. However, if a contract was agreed by o2, during the period in which 'internal errors' were occurring, the contract was honoured by o2, whether the customer passed a credit check or not. A prime example is, if a credit check could not be carried out but the customer provided ample identification then they could quite happily walk away from a store with the phone that day. The credit check would be carried out when the internal system was running correctly and, whether the customer passed or failed, they could still maintain the contract as agreed. There would not be admin charges made either. One thing i found was that o2 tends to be one of the stricter mobile phone companies for credit checks and so if they are true to form and stick to this procedure, then 3 should probably follow suit. I would advise phoning customer services back and informing them that if the contract was agreed by yourself, contrary to the credit check, then it is down to the member of staff that assisted you in your purchase. In the mean time, i would advise not using any phone supplied by them and cancel any current direct debits. Just so they can't charge you anymore. I hope this helps.