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Able to pay off overdraft for time being but afraid

 
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carterturner
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MessagePosté le: Ven 6 Oct - 14:25 (2017)    Sujet du message: Able to pay off overdraft for time being but afraid Répondre en citant

Hi, I have an account with HSBC that has been in almost permanently overdraft for about 3 years?? now. 1 year ago I got a warning that I needed to show monthly payments in (I had been previously unemployed / underemployed) for a while and the utilisation % had been rising over time. Before I became unemployed 2 and half years ago, my job was paid OK and HSBC even gave me a overdraft limit raise after I left uni.

Anyway I started new job (different field) 1 year ago and have paid in monthly the sum HSBC wanted to see relative to how much debit I was in but the job was not well paid and low skilled so the utilisation % of overdraft has stayed constant (approx 70-80%).

I have now gone back to uni for a 1 year course so I will have some govt money, and my parents have decided to also give me money so I can fully concentrate on what is a technical programme with good employment prospects (I had previously a useless Arts degree)
Please help
Thanks


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