Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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im a student so got a 1000quid interest free overdraft. just noticed that its gone over 1000 overdrawn because of some Direct Debits i forgot were coming out. do they charge me for going over or just charge me interest or something? im with HSBC
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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dont sure about hsbc, but most places charge you somthing silly like 20quid a day for every day your over your limit, i've been over a couple of times but not by much and nothing was charged.
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Luke1.4
Member
Registered: 2nd Dec 02
Location: Blackpool
User status: Offline
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HSBC will rape you id get money in your account quick
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Stuckey
Member
Registered: 5th Jun 02
Location: Plumstead, Greater London
User status: Offline
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put money in or raise overdraft or you will probably be fined
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Katie
Member
Registered: 26th Mar 05
Location: Northampton
User status: Offline
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I am with HSBC and was over by £7 once. I didn't notice and about a week later, they had charged me by about £6.
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Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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 looks like im going to have to find some money from somewhere 
[Edited on 30-06-2005 by flameredcorsab]
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Simon
Member
Registered: 24th Apr 03
Location: Oxfordshire
User status: Offline
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i have 2 cards on my paypal account and ordered something for £8 and did it from wrong account that had no money in, for that £8 i got fined £30, was told by woman that if i wrote a letter explaining it as a genuine mistake fine may be witchdrawn. Thats nationwide
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Voyto
Member
Registered: 9th Feb 03
Location: Stafford
User status: Offline
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I got the same account mate with hsbc. I got charged just under £30 for every transaction i made while i was over my limit
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Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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quote:
Originally posted by Voyto
I got the same account mate with hsbc. I got charged just under £30 for every transaction i made while i was over my limit
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Luke1.4
Member
Registered: 2nd Dec 02
Location: Blackpool
User status: Offline
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mine went overdrawn on hols when my g/f needed medical treatment charged me 72 quid was overdrawn for bout a week with hsbc
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Can you not get a bigger overdraft to cover it? Or lend the money?
I over drawed by almost a grand a few weeks back. Fucking thing went through too  I asked them online to up my overdraft from £500 to £2000 and they did. I'm with Lloyds TSB. However, i recently updated my accounts with them so the knew my circumstances (how much a month i earn and how much i can earn). I've been with them for 15 years too 
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Alex
Member
Registered: 9th Feb 03
Location: Nottingham
User status: Offline
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im currently £1250 over drawn and at one point i was £2000 overdrawn :S they charged me £10! im with natwest though
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corsa5dr
Member
Registered: 12th Jan 03
Location: Bath/Bristol - Evo 4 GSR
User status: Offline
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Assuming your have just finsihed your first year and have £1000, you can increase your limit to £1250 interest free from the start of July for your second year with HSBC and most other student accounts.
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loo_goblin
Member
Registered: 14th Jul 04
Location: Horsham, West Sussex
User status: Offline
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HSBC charged me wen i first went into my overdraft accidently, i went mental as its meant to be intrest free. twats
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Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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quote:
Originally posted by corsa5dr
Assuming your have just finsihed your first year and have £1000, you can increase your limit to £1250 interest free from the start of July for your second year with HSBC and most other student accounts.
nice one, do i just ring up or something then?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I thought my overdraft looked bad but my mortgage is now on online banking and that looks worse 
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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Natwest don't charge.
I managed to get £900 over my £2000 overdraft limit, still didn't get charged for anything.
Ah the wonders of Friary cashback
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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I try not to use my overdrafts, they are there just in case
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Anton2K3
Member
Registered: 24th Jan 03
Location: Peterborough
User status: Offline
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I'm with HSBC, go regularly over my overdraft on student account, charge me about 10p.
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corsa5dr
Member
Registered: 12th Jan 03
Location: Bath/Bristol - Evo 4 GSR
User status: Offline
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quote:
Originally posted by flameredcorsab
quote:
Originally posted by corsa5dr
Assuming your have just finsihed your first year and have £1000, you can increase your limit to £1250 interest free from the start of July for your second year with HSBC and most other student accounts.
nice one, do i just ring up or something then?
You can probably ring, or do it in branch, I have a feeling they do it automatically some time in July if you dont do it manually.
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drunkenfool
Member
Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
User status: Offline
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the extra £250 will come in handy for me then! Started my old job agan but dont get paid for another 3 weeks
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matt10i
Member
Registered: 19th Jun 05
Location: Waterlooville, Hants
User status: Offline
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i went about 200 overdrawn and got charged £28!! gits!
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