Three statements

Statement 1 – Office of Fair Trading November 2010

st1Statement 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.