I received a letter from my HSBC bank, says that the balance of my account is now £51.7 overdrawn, and required my proposals for the repayment. I wondered where are those overdrawn from?
Then I got several calls, two of them from Indian Call Centre. I talked with the call centre girl on the phone, the Indian call center girl has strong Indian accent, my poor English, plus her Indian accent, and the £32 overdraft charge, made me faint and dizzy after I put the hand set back to the telephone. But I found out what was happening after the shock at last.
I have a HSBC business account and a credit card, the credit card payment method is full credit payments (not minimum repayments) from my business account by direct debit on a certain day. I used my credit card to pay for some stationary, that's £15. But there are not enough money in my business account, so HSBC Bank overdrawn my business account to pay my HSBC credit card by direct debit, and charge me £32, altogether is £57!
That's ridiculous!
I went to HSBC bank, and talked with the banker. I told them, I couldn't pay them £32 charge, and there will be no money paid into my account in six month.
They told me, this may lead to cancellation of my debit card, and issuing of a Formal Demand notice for full repayment of my borrowing. That means they will hire debt collect agency, even take it to court. But the bank can "consider cases of financial difficulty sympathetically" if I am "experiencing financial difficulty".
HSBC is my most royal bank, and I believe they can cancel that overdrawn charge. So I told them I AM experiencing financial difficulty, if they can consider my case sympathetically.
Then the charge was cancelled.