HSBC Charges

[oldjonah]

Hi all

 

I need some advice on what sort of charges I can claim back for. We have had about £1000 of charges in 2 years, some for unauthorised overdraft and a few for card misuse, I assume thats for using the switch card and going overdrawn.

 

Can I claim for every charge regardless of what it was for?

 

Thanks ppl

 

Edited to add: I notice on the claim form the bit about the credit record. Although we have never missed a "payment" with the bank we show some late payments due to going overdrawn. Can I argue this point with the bank?

 

Thanks

[MondeoST24]

Hi,

 

Everything you need to know is in the FAQ's, have a good look through it then come back if you're still stuck.

[oldjonah]

I have been through the FAQ and am still uncertain with the card misuse charges and whether I can demand that the late payments are removed from my credit report.

 

Thanks

[Spiceskull]

Hi,

 

In a nutshell, if it's an agreed service fee (£5 monthly for providing overdraft etc) then you can't claim. If it's a penalty charge that you did not agree to, or is not a fee for a service, then you should claim.

 

The best suggestion is to gather all charges into one place (the spreadsheet) sort/filter by type, and then come back to the forum with those that you are unsure about, or that aren't covered elsewhere in the FAQs/Group.

[oldjonah]

This topic was closed on 03/07/19.

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