Contact tel 03457 404 404

see reverse for call times

Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk

Your Statement
Mr T Mirosanu
53 Macdonald Close
Tividale
Oldbury
West Midlands Account Summary
B69 3LD
Ope ning Balance 2,016.07 D
Paym e nts In 4,320.00
Paym e nts Out 3,154.12
Clos ing Balance 850.19 D
Arrange d Ove rdraft Lim it 2,000.00

.
International Bank Account Number
GB51HBUK40050721497227
14 November to 13 December 2019 Branch Identifier Code
HBUKGB4141M

Acco unt Nam e S o rtcode Acco unt Num ber S he e t Num be r

Mr Toni Mirosanu 40-05-07 21497227 101

Your Bank Account details

Date Pay m e nt t y p e and de t ails Paid o ut Paid in Balance

A
13 Nov 19 BALANCE BROUGHT FORWARD . 2,016.07 D
15 Nov 19 DD CLOSE-DARWIN
FIRST PAYMENT 180.30
CR CONTOUR INTERIOR D
RAMSGATE 800.00 1,396.37 D
16 Nov 19 ATM CASH BNKM NOV16
MID COUNTIES@10:01 60.00
ATM CASH NOTEMAC NOV16
NOTEMAC CHG 1.90
SABRE COMPUT@16:12 31.90 1,488.27 D
18 Nov 19 VIS LCI Ltd - Coral
0800 440011 20.00
VIS AMZNMKTPLACE AMAZO
AMAZON.CO.UK 64.99
VIS SAINSBURYS PETROL
OLDBURY 59.07
VIS CO-OPERATIVE FOOD
DUDLEY 40.00
VIS LCI LTD - CORAL
0800440011 5.00
VIS PRIMARK 684
WEST BROMWICH 44.50
VIS LIDL GB GREAT BRID
GREAT BRIDGE 55.41
))) WELCOME B/WAITROSE
WARWICK 3.25
))) CO-OPERATIVE FOOD
DUDLEY 8.35
BALANCE CARRIED FORWARD 1,748.84 D

789 High Road North Finchley London N12 8JX

 Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk
14 November to 13 December 2019
Your Statement
Acco unt Nam e S ortco de Acco unt Num ber S he e t Num be r
Mr Toni Mirosanu 40-05-07 21497227 102

Your Bank Account details

Date Pay m e nt t y pe and d e t ails Paid out Paid in Balance

BALANCE BROUGHT FORWARD 1,748.84 D

))) WB STORES LTD
WEST BROMWICH 8.57
))) THE FISH AND CHIP
OLDBURY B69 10.90
))) CO-OPERATIVE FOOD
DUDLEY 9.00
))) RONTEC DUDLEY PORT
TIPTON 4.99
VIS INT'L 0068347068
LCI Ltd - Coral
0800 440011 5.00
VIS INT'L 0075156284
WHO INTERNET
INTERNET 5.00
VIS INT'L 0075156285
LCI Ltd - Coral
0800 440011 5.00
VIS INT'L 0075156286
WHO INTERNET
0800 0664508 5.00 1,802.30 D
19 Nov 19 VIS CREDITPERFECT.CO.U
03452220277 19.99 1,822.29 D
20 Nov 19 ))) COVILLS NEWSAGENT
RAMSGATE CT11 4.50
))) VICTORIA BALTIC BR
RAMSGATE 2.10
ATM CASH BARCLAY NOV20
RAMSGATE @16:33 30.00
VIS INT'L 0088281236
NETFLIX.COM
866-716-0414 11.99 1,870.88 D
21 Nov 19 DD SOUTH STAFFS WATER 43.22
))) COVILLS NEWSAGENT
RAMSGATE CT11 5.16 1,919.26 D
22 Nov 19 DD METLIFE INSURANCE 22.00
DD TV LICENCE MBP 13.26
))) VICTORIA BALTIC BR
RAMSGATE 3.87 1,958.39 D
24 Nov 19 BP LASCAR NICU
Loan 300.00
ATM CASH HSBC NOV24
WEST BROMWIC@14:13 200.00 1,858.39 D
25 Nov 19 VIS AMZNMktplace
amazon.co.uk 12.99
BALANCE CARRIED FORWARD 1,871.38 D

789 High Road North Finchley London N12 8JX

 Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk
14 November to 13 December 2019
Your Statement
Acco unt Nam e S ortco de Acco unt Num ber S he e t Num be r
Mr Toni Mirosanu 40-05-07 21497227 103

Your Bank Account details

Date Pay m e nt t y pe and d e t ails Paid out Paid in Balance

BALANCE BROUGHT FORWARD 1,871.38 D

VIS SAINSBURYS PETROL
OLDBURY 45.20
))) VICTORIA BALTIC BR
RAMSGATE 12.58
))) RAMSGATE AUTO CENT
RAMSGATE CT11 19.98
))) LIDL GB GREAT BRID
GREAT BRIDGE 5.87
))) CO-OPERATIVE FOOD
DUDLEY 30.00
BP LASCAR NICU
Loan 400.00 1,585.01 D
26 Nov 19 CR Andrei Adam
Sent from Monzo 80.00 1,505.01 D
27 Nov 19 ))) COVILLS NEWSAGENT
RAMSGATE CT11 5.65
))) COVILLS NEWSAGENT
RAMSGATE CT11 5.00
))) VICTORIA BALTIC BR
RAMSGATE 4.54 1,520.20 D
28 Nov 19 BP Helena
Rent 30.00
))) VICTORIA BALTIC BR
RAMSGATE 13.95
CR CONTOUR INTERIOR D
RAMSGATE 500.00
CR CONTOUR INTERIOR D
RAMSGATE 350.00 714.15 D
29 Nov 19 ATM CASH HSBC NOV29
RAMSGATE @10:05 120.00
))) COVILLS NEWSAGENT
RAMSGATE CT11 5.00
))) WILKO RETAIL LIMIT
RAMSGATE 1.70 840.85 D
01 Dec 19 ATM CASH HSBC DEC01
WEST BROMWIC@13:40 230.00 1,070.85 D
02 Dec 19 VIS TESCO PAY AT PUMP
DUDLEY 20.01
VIS WB STORES LTD
WEST BROMWICH 34.39
VIS SAINSBURYS PETROL
OLDBURY 46.93
VIS GOOGLE *Google Pla
g.co/helppay# 2.99
BALANCE CARRIED FORWARD 1,175.17 D

789 High Road North Finchley London N12 8JX

 Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk
14 November to 13 December 2019
Your Statement
Acco unt Nam e S ortco de Acco unt Num ber S he e t Num be r
Mr Toni Mirosanu 40-05-07 21497227 104

Your Bank Account details

Date Pay m e nt t y pe and d e t ails Paid out Paid in Balance

BALANCE BROUGHT FORWARD 1,175.17 D

))) SMYTHS TOYS OLDBUR
OLDBURY 23.98
))) TESCO STORES 6197
DUDLEY 16.90
))) POUNDLAND LTD 1729
OLDBURY 22.10
VIS CO-OPERATIVE FOOD
DUDLEY 37.18
))) VICTORIA BALTIC BR
RAMSGATE 2.76
))) MCDONALDS
OLDBURY 15.12 1,293.21 D
03 Dec 19 BP Henry Charles
Rent 690.00 1,983.21 D
04 Dec 19 DR OVERDRAFT INTEREST
TO 12NOV2019 25.90 2,009.11 D
05 Dec 19 CR CONTOUR INTERIOR D
RAMSGATE 500.00
VIS INT'L 0099527404
Amazon Prime*WC4LD
amzn.co.uk/pm 7.99
CR CONTOUR INTERIOR D
RAMSGATE 200.00
TFR 400507 21497235
INTERNET TRANSFER 50.00 1,367.10 D
07 Dec 19 ATM CASH BNKM DEC07
MID COUNTIES@09:55 10.00 1,377.10 D
08 Dec 19 ATM CASH HSBC DEC08
WEST BROMWIC@13:25 130.00 1,507.10 D
09 Dec 19 VIS LCI Ltd - Coral
0800 440011 100.00
VIS SAINSBURYS PETROL
OLDBURY 55.57
VIS ALDI 103 772
OLDBURY 47.06
))) TESCO STORES 2335
WEST BROMICH 12.12
))) POUNDSTRETCHER 240
WEST BROMWICH 4.78
))) POUNDLAND LTD 1729
OLDBURY 7.00
))) NEW SQUARE SHOPPIN
LONDON 1.60
BALANCE CARRIED FORWARD 1,535.23 D

789 High Road North Finchley London N12 8JX

 Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk
14 November to 13 December 2019
Your Statement
Acco unt Nam e S ortco de Acco unt Num ber S he e t Num be r
Mr Toni Mirosanu 40-05-07 21497227 105

Your Bank Account details

Date Pay m e nt t y pe and d e t ails Paid out Paid in Balance

BALANCE BROUGHT FORWARD 1,535.23 D

VIS INT'L 0029929632
Amazon Digital Svc
AMZN.COM/bill 2.91 1,538.14 D
10 Dec 19 TFR 400507 21497235
INTERNET TRANSFER 50.00
))) VICTORIA BALTIC BR
RAMSGATE 6.49
BP HSBC BNK VSA454638
454638******8951 75.00 1,569.63 D
11 Dec 19 DD VODAFONE LTD 81.97
VIS NATIONAL EXPRESS L
BIRMINGHAM 16.60
BP Helena
Rent 20.00 1,688.20 D
12 Dec 19 BP LASCAR NICU
Loan 10.00
BP LASCAR NICU
Loan 10.00 1,668.20 D
13 Dec 19 CR CONTOUR INTERIOR D
RAMSGATE 500.00
CR CONTOUR INTERIOR D
STEFAN 500.00
BP HSBC BNK VSA454638
454638******8951 50.00
))) VICTORIA BALTIC BR
RAMSGATE 1.99
ATM CASH BNKM DEC13
MID COUNTIES@18:47 110.00
VIS INT'L 0059482345
LCI Ltd - Coral
0800 440011 10.00
VIS INT'L 0059482346
LCI Ltd - Coral
0800 440011 10.00 850.19 D
13 Dec 19 BALANCE CARRIED FORWARD 850.19 D

Info rmatio n abo ut the Financial S e rvice s Co mpe ns atio n Sche m e

Your deposit is eligible for protection under the Financial Services Compensation Scheme (FSCS). For further information
about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk, call into your nearest branch
or call your telephone banking service. Further details can be found on the FSCS Information Sheet and Exclusions List
which is available on our website (www.hsbc.co.uk).

789 High Road North Finchley London N12 8JX

 Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
www.hsbc.co.uk
14 November to 13 December 2019
Your Statement
Acco unt Nam e S ortco de Acco unt Num ber S he e t Num be r
Mr Toni Mirosanu 40-05-07 21497227 106

AER Arrang e d Ove rdraft EAR

Cre dit Inte re s t Rate s balance variable Inte re s t Rate s b alance variable
Cre dit inte re s t is not paid upto 2,000 19.90%
ove r 2,000 0.00%

789 High Road North Finchley London N12 8JX

Interest
Credit Interest is calculated daily on the cleared credit
balance and is paid monthly if applicable (this is not paid on all
accounts, eg, Basic Bank Account, Bank Account and HSBC
Advance). For personal current accounts (excluding Premier
and Jade by HSBC Premier) overdraft interest is only charged
on arranged overdrawn balances. Debit interest is calculated
daily on the cleared debit balance of your account, it accrues
during your charging cycle (usually monthly) and is deducted
from your account following the end of your charging cycle.
Effective from 1 August 2017
Monthly cap on unarranged overdraft charges
1. Each current account will set a monthly maximum
charge for:
(a) going overdrawn when you have not arranged an
overdraft; or
(b) going over/past your arranged overdraft limit (if you
have one).
2. This cap covers any:
(a) interest and fees for going over/past your arranged
overdraft limit;
(b) fees for each payment your bank allows despite lack
of funds; and
(c) fees for each payment your bank refuses due to lack
of funds.
The monthly cap on unarranged overdraft charges for
the Bank Account, Current Account, Home Management
Account, HSBC Advance Bank Account and Graduate Bank
Account is £80.
The monthly cap on unarranged overdraft charges is not
applicable to Bank Account Pay Monthly, Basic Bank
Account, Student Bank Account, Amanah Bank Account
and MyAccount as these accounts do not incur unarranged
overdraft charges.
The introduction of the Monthly Maximum Charge will not
affect any charging period that ended prior to 1st August 2017.
Any notification of charges that are generated on or after 1st
August 2017 will incorporate the new Monthly Maximum
Charge cap.
The following references regarding debit cards only
apply to personal customers, commercial customers
please refer to your terms and conditions.
Your debit card
When you use your card outside the UK, your statement will
show where the transaction took place, the amount spent in
foreign currency and the amount converted into sterling. We
also monitor transactions to protect you against your card
being used fraudulently.
Unless you agree that the currency conversion is done at the
point of sale or withdrawal and agree the rate at that time, for
example with the shopkeeper or on the self-service machine
screen, the exchange rate that applies to any debit card
payments in a foreign currency (including cash withdrawals)
is the VISA Payment Scheme Exchange Rate applying on the
day the conversion is made.
HSBC UK Bank plc
Registered in England and Wales with registration number 09928412
Registered office: 1 Centenary Square Birmingham B1 1HQ
RFB1023 MCP52223 10/18 © HSBC Group 2018
For foreign currency transactions we will charge a fee of
2.75% of the amount of the transaction. This fee will be
shown as a separate line on your statement as a ‘Non-Sterling
Transaction Fee’.
Details of the current VISA Payment Scheme Exchange
Rates can be obtained from the card support section of hsbc.
co.uk or by calling us on the usual numbers. We will deduct
the payment from your account once we receive details of
the payment from the card scheme, at the latest, the next
working day.
For cash machine withdrawals in a foreign currency we will
charge a Non Sterling Cash Fee of 2% (minimum £1.75,
maximum £5). This fee applies to all cash machines outside
the UK, Channel islands and the Isle of Man and to cash
machines in the UK. HSBC Advance customers are exempt
from this fee.
Some cash machine operators may apply a direct charge for
withdrawals from their cash machines and this will be advised
on screen at the time of withdrawal.
Recurring Transaction
A recurring transaction, sometimes called a continuous
payment authority, is a series of payments collected with
your agreement from your card by a retailer or supplier (for
example, insurance cover). This is an agreement between
you and the retailer. The Direct Debit Guarantee does not
cover these transactions. If you wish to cancel a recurring
transaction you can do this with the retailer or us. We can
cancel the payment, however contacting the retailer allows
you to also deal with the agreement you have with them
and you can make other arrangements for the payment or
cancellation of the goods or services. If you cancel with
the retailer, we recommend you keep evidence of the
cancellation. Once you have cancelled with the retailer or us,
if the retailer does try to collect any future payments under
the recurring transaction agreement, we will treat these as
unauthorised. If we miss any of the cancelled transactions,
please contact us.
The following references apply to all customers
Dispute resolution
If you have a problem with your agreement, please try
to resolve it with us in the first instance. If you are not
happy with the way in which we handled your complaint
or the result, you may be able to complain to the Financial
Ombudsman Service. If you do not take up your problem
with us first you will not be entitled to complain to the
Ombudsman. We can provide details of how to contact the
Ombudsman.
Telephone Banking Service
Customer representatives are available from 8am – 10pm
everyday and 24 hours a day for HSBC Advance customers.
Calls may be monitored or recorded for quality purposes.
Alternatively for all your banking needs go to hsbc.co.uk.
Disabled Customers
We offer a number of services such as statements in
Braille or large print. Please contact us to let us know
how we can serve you better.
Lost and stolen cards
If any of your cards issued by us are lost or stolen please call
our 24-hour service immediately on 03456 007 010 or if you
are calling from outside the UK, please call us
on 44 1442 422 929.