Statement 1 – Office of Fair Trading November 2010
Statement 2 – Financial Conduct Authority April 2014
HFC’s agreements with customers gave it the right to do this and the fee was added after the customer had defaulted on the loan/credit card payments
Statement 3 – HSBC – June 2014
HFC’s agreements with customers gave it the right to do this and the fee was added after the customer had defaulted on the loan/credit card payments.