Frightened Vulnerable Young adult and HSBC Learning Disability and Bank Overdraft fees. I've two young adult sons who have just gone into supported living. It was decided by social services and care workers that I was drip feed my sons benefits into their accounts on a daily basis with the exception of a larger amount each week for food. i have repeatedly explained the situation to HSBC that the boys should not be given unauthorised overdrafts or any overdrafts. They usually use there debit card to pay for their college lunch or some shopping that the care worker helps them buy. I discovered that HSBC has taken every payment I've deposited in the last two weeks to pay off an overdraft charge and my son was too afraid to tell anyone, thinking he had done something wrong. Now I am fairly certain he will get this all refunded but what worries me is that HSBC has told me they have no mechanism to stop this happening again and that it is up to the customer to control their account. I've explained the situation in the past and the local branch even met my sons but I am told that this is in the Terms and conditions so it can happen again.
Please please please - does anyone know of a bank account that will issue a debit card but not allow the account to go into the red?
Sounds simple yet I cannot find one. The ones I've spoken to I the past including santander say exactly the same thing as HSBC.
Thank you all for your support. We too DD to the bank this morning and spoke to a young man about the situation.
We gave him a lesson in Autism and he wiped her debts! She has had her debit card taken off her and will be given a cash card. There were more charges to be paid next month so the whole bill wouldve been nearly £300!!!
DD was very upset....but she has learned a lesson. So has the bank person! He has given us his card and said if we have any problems we are to call him - he now knows all about DD.
I work for a bank - Ring the bank, visit the bank, write to the bank - they should stop and reverse the charges. They may look to 'down-grade' the type of bank account ie: make it a basic bank account that just has a cash card rather than a debit card so she can't go over-drawn again.
But any reasonable person would expect the bak to make good this, once presented with the facts - however they do need you to tell them these facts, otherwise it's just a computer seeing the rules on overdrafts have been broken and imposing charges.
When I was on JSA about 18 months ago, I went a couple of pond overdrawn, and the bank charged me. But they took charges when my bank account was Zero, so kept mounting the charges, and bam, took them all at once from a day when a benefit went in (usually the £60 CTC) and took it all and still then went into minus, and so it started again. I believe it is called snowballing.
I downloaded a template letter from the Moneysaver website, sent it to the bank stating i was on benefits, and I got all the charges back.
They refusewd at first, I then asked them to pass on my complaint to the Ombusman (as adviced by Moneysaver), and it was then they put it all back into my account.
Have the bank called or written to her at all? I would call the bank and request that the charges be refunded - you can do it now, no need to go into the bank.
I've had similar happen to me before when an unexpected payment went out and I went overdrawn, so any other transactions incurred the charge. I argued that I had no idea I was overdrawn, and as it was the first time it happened, they refunded the charges.
The bank shouldn't have let the card be used if she was overdrawn, surely?
i have a 20 yr old DD who is on the ASD , who has managed to rack up £175 of bank charges over the past 10 days by using her debit card repeatedly at the local shop even though she was overdrawn (she has no overdraft) but didnt know this as her card wasnt declined.
She has used the card each time for £2 payments and has been charged £25 for each transaction. she likes to walk to the corner shop-this is part of her ASD.
We had no idea....and i know we shouldve kept an eye on things but we are letting her gain some independence. I think we have failed miserably.
OH and i are planning to go to the bank on saturday- we feel these charges are a bit steep. The first charge was when she was only £9 OD.
i cant get over it....she gets JSA and its all gone!