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penalty disguised as fee -what to do??


ladybird17
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sorry - I posted another thread about this but got no replies, so trying again. HSBC have, since last year, called unauthorised OD's "informal OD's. Every time you slip over your limit you are charged a £25 "arragement fee" for the "informal" OD. How can I reword the prelim. letter to take this into account - otherwise they will just reply that it isn't a charge or a penalty, it's a fee.

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