PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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£300 overdraught limit means £300 and no more yes???
WRONG
My bank 'decided' to let me take out £600 last month & now sting my ass about it & limit me back to £300...
apparently certain amounts in transactions are guarantee'd regardless of how much clear funds you have...
so basically I now have £70 to last me 4 weeks & also go the pod this weekend...
Fcuk that shit - I'm changing banks next month!
HSBC = Total Cocks 
[Edited on 20-01-2005 by PaulW]
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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quote:
Originally posted by PaulW
£300 overdraught limit means £300 and no more yes???
WRONG
My bank 'decided' to let me take out £600 last month & now sting my ass about it & limit me back to £300...
apparently certain amounts in transactions are guarantee'd regardless of how much clear funds you have...
so basically I now have £70 to last me 4 weeks & also go the pod this weekend...
Fcuk that shit - I'm changing banks next month!
HSBC = Total Cocks
[Edited on 20-01-2005 by PaulW]
yes 300quid limit means 300quid limit, go over it and they rape you for it. my overdraft is a grand 
so you didnt evan notice you'd spent double your overdfraft limit?? 
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Git
Member
Registered: 3rd Apr 03
Location: Swansea
User status: Offline
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Perhaps you should look after your account a bit better.
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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yes this is true  but needed loads of petrol with going back & too the hospital cos mum was in with heart trouble 
but ye the limit should stick surely, they should just decline it instead of accept it!
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Drew
Banned
Registered: 24th Nov 01
Location: County Durham
User status: Offline
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no overdraft = cant get any money out when u have zero in.....
also incorrect, they just charge u for it - thats banks for ya
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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if they stopped letting you withdraw when you hit ur OD limit, they'd not make much money, but now they make loads with people like u going over there limits and people like me too lol
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fran_lupo
Member
Registered: 8th Feb 04
User status: Offline
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yep happened to me too - with the same bank
HSBC are cocks
they are also cancelling direct debits and not telling me - keep an eye on them for that
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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already had them do that  I had over 3k in the bank one time & they cancelled a direct debit as they saw it as 'fraudulant' - was for a loan I was paying, they soon owned up to makin the mistake tho!
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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If you have used your overdraft and you write a cheque backed uo with a cheque guarantee card...then the Bill Of Exchanges Act means that the bank has to honour your cheque...therefore allowing you to use more than your arranged overdraft...
To be fair I think you should take more care of your account...as its your responsibility...
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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I dont write checks...
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Woollard
Member
Registered: 20th Nov 01
Location: MK _________________ Drives :BMW 330ci
User status: Offline
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you'll find all banks do this not just hsbc. I have found hsbc overlook it alot of the time if you have a steady income and you dont go in the red by too much
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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i do have a steady income & there not gona charge me for it
got £750 rebate coming in in a week-or-2 anyways so will help me out for a bit!
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I reduced my limit to try and be sensible then got charged when I went over it, phoned up to complain that my responsible borrowing ways had landed me a charge, he said that was correct so I just put it to the most I could have. Three grand now so I don't get charged so often 
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