What's happening?

We're writing about your overdraft

use.

Do I need to do anything?
Please read this letter carefully.

Mr T Mirosanu
53 Macdonald Close
Tividale
Oldbury
West Midlands
B69 3LD

11 June 2022
Dear Mr Mirosanu

Important information about your account ending 7227

We wrote to you on 13 December 2021 about your overdraft use. We wanted to let you know that over a 3
month period you've used your overdraft the majority of the time.

In these letters, we explained that overdrafts are a form of credit and are designed for short-term borrowing.
Regular use of your overdraft, may be more expensive than other lending options.
We asked you to review your monthly income and outgoings to see if you could reduce your use of your
overdraft.

Your overdraft use

We've continued to monitor your account, and over the last 3 months you've reduced the amount you've
used your overdraft.

Please continue to regularly review your monthly income and outgoings; by trying to ensure that you're
paying in more than you're paying out. This will help you further reduce the amount you use your overdraft.

You can also use our handy overdraft calculator to see how much an overdraft through your HSBC current
account could cost over a period of up to 31 days. Visit: http://www.hsbc.co.uk/overdrafts You will also
find other useful links to a number of products and services we provide.

What happens next?

We'll continue to monitor your account and we'll be in touch if we need to.

Helpful Organisations

You can also get free, independent money advice from:

• Citizens Advice: citizensadvice.org.uk, 03444 111 444
• Advice UK: adviceuk.org.uk, 0300 777 0107
• National Debtline (if you are self-employed): nationaldebtline.co.uk, 0808 808 4000
• StepChange Debt Charity: stepchange.org, 0800 138 1111

Find more help online at https://www.hsbc.co.uk/help/money-worries/

Continued... 40050721497227_ODACK2
HSBC UK Bank plc
789 High Road, North Finchley, London, N12 8JX
Tel: 03457 404 404 Fax: 020 8700 1510 Web: www.hsbc.co.uk

Registered in England and Wales number 09928412. Registered Office: 1 Centenary Square, Birmingham B1 1HQ
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm
reference number is 765112
 2

Whatever your situation, we're here for you and can help. So please do get in touch if you would like to
discuss your borrowing options.

Thank you for banking with us.

Yours sincerely

Your HSBC Banking Team

40050721497227_ODACK2