**----- Start of picture text -----**
Summary Of Donations
Year Donations Raised Happy to Help Academy no. Students Charity Total
December 2013 - March 2015 £16,616.98 Great Ormond Street Hospital for Children £17,428.04
April 2015 - December 2015 £28,981.00 Delete Blood Cancer £15,000.00
January 2016 - December 2016 £7,101.77 34 Help for Heroes £3,735.00
January 2017 - December 2017 £3,831.00 140 Cancer Research £392.00
January 2018 - December 2018 £8,408.41 119 UK Punjabi Heritage Association £15,000.00
January 2019 - December 2019 £3,551.86 112 Unicef £110.00
January 2020 - Present £8,885.63 136 Little Havens Hospice for Children £700.00
Happy to Help Academy £879.00
Aids Orphan £2,316.81
2017 Projects £3,831.00
SEVA/ Homeless £853.97
Macmillan £121.11
Happy to Help Foundation £18,058.35
Overall Total Riased £78,425.28
Total Children Sponsored 541
**----- End of picture text -----**
|**Projects**|**Total**||
|---|---|---|
|December 2013 - Current Overall|£78,425.28||
|Blood Stem Cell Donors Registered||550|
|Academy||541|
|Spartan Runs||6|
|10km Runs||5|
|Bake Off||5|
|Food Drives||8|
|Football Tournaments||4|
|Tough Mudder||2|
|Fantasy Rugby Leagues||2|
|Charity Auctions||2|
|China||1|
|Peru||1|
|Brighton||1|
|Cotswolds Trek||1|
|Walkie Talkie Building Climb||1|
|Mount Kili Trek||1|
|London Shine Walk||1|
|Race For Life||1|
|Farmers Support Trucks||2|
|Justgiving Registered||2020|
|Benevity Registered||2020|
|Amazon Smile Registered||2020|
|Gift Aid Registered||2020|
## **2020 Summary of Projects & Donations**
|**Total**|**£8,885.63**|||||
|---|---|---|---|---|---|
|Hunjan Family|£60.00|King George Pizza|Direct Debit 2020|||
|Hunjan Family|£60.00|Visor Filament||£19.52|13-Jan|
|Direct Debits Total|£200.52|year 2020||£9.66|31-Jan|
|Academy Summary|£136.00|Studens Sponsored||£19.52|13-Feb|
|Projects Completed|Amount|Charity||£12.09|20-Feb AMAZON|
|Homeless Food Drive|£120.00|SEVA||£9.66|02-Mar|
|HTH Academy|£340.00|ACADEMY||£19.52|13-Mar|
|HTH Junior Academy|£100.00|JR ACADEMY||£9.66|31-Mar|
|Food drive|£120.00|COVID-19 Support||£19.42|30-Apr BENEVITY|
|King George Pizza|£160.00|COVID-19 Support||£9.66|01-May|
|Mrs Saggoo Birthday Pledge|£350.00|Happy to Help Foundation||£8.34|21-May AMAZON|
|Rajasthan Orphanage|£150.00|Happy to Help Foundation||£9.66|01-Jun|
|Mindset Circle|£1,280.00|Hampshire Medical Trust||£9.66|01-Jul|
|Mindset Circle|£700.00|YoungMinds||£9.66|31-Jul|
|Farmers Pledge 1|£1,206.00|Happy to Help Foundation||£6.77|13-Aug AMAZON|
|Farmers Pledge 2|£2,000.00|Happy to Help Foundation||£9.66|01-Sep|
|Christmas|£2,039.11|GOSH||£9.66|01-Oct|
|||||£8.40|16-Nov AMAZON|
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|7,045.83|
|Payments In|48.70|
|Payments Out|0.00|
|Closing Balance|7,094.53|
**International Bank Account Number** GB54HBUK40011392306980
## **9 December 2019 to 8 January 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 34
|**Your Community Account**|**Your Community Account**|**Your Community Account**|**details**|||||
|---|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||||
|**08 Dec 19**||**BALANCE BROUGHT FORWARD**||.|||**7,045.83**|
|13 Dec 19|CR|Stripe Payments|UK|||||
|||STRIPE||||39.04|7,084.87|
|31 Dec 19|CR|Stripe Payments|UK|||||
|||STRIPE||||9.66|7,094.53|
|**08 Jan 20**||**BALANCE CARRIED FORWARD**|||||**7,094.53**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|7,094.53|
|Payments In|29.18|
|Payments Out|0.00|
|Closing Balance|7,123.71|
**International Bank Account Number** GB54HBUK40011392306980
## **9 January to 8 February 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 35
|**Your Community Account**|**Your Community Account**|**Your Community Account**|**details**|||||
|---|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||||
|**08 Jan 20**||**BALANCE BROUGHT FORWARD**||.|||**7,094.53**|
|13 Jan 20|CR|Stripe Payments|UK|||||
|||STRIPE||||19.52|7,114.05|
|31 Jan 20|CR|Stripe Payments|UK|||||
|||STRIPE||||9.66|7,123.71|
|**08 Feb 20**||**BALANCE CARRIED FORWARD**|||||**7,123.71**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|7,123.71|
|Payments In|41.27|
|Payments Out|120.00|
|Closing Balance|7,044.98|
**International Bank Account Number** GB54HBUK40011392306980
## **9 February to 8 March 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 36
|**Your Community Account**|**Your Community Account**|**Your Community Account**|**details**|||||
|---|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||||
|**08 Feb 20**||**BALANCE BROUGHT FORWARD**||.|||**7,123.71**|
|13 Feb 20|CR|Stripe Payments|UK|||||
|||STRIPE||||19.52|7,143.23|
|20 Feb 20|CR|AMAZON EUROPE CORE||||12.09|7,155.32|
|02 Mar 20|CR|Stripe Payments|UK|||||
|||STRIPE||||9.66|7,164.98|
|04 Mar 20|BP|SEVA||||||
|||03.03.20 Feed|||120.00||7,044.98|
|**08 Mar 20**||**BALANCE CARRIED FORWARD**|||||**7,044.98**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|7,044.98|
|Payments In|29.18|
|Payments Out|340.00|
|Closing Balance|6,734.16|
**International Bank Account Number** GB54HBUK40011392306980
## **9 March to 8 April 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 37
|**Your Community Account**|**Your Community Account**|**Your Community Account**|**details**|||||
|---|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||||
|**08 Mar 20**||**BALANCE BROUGHT FORWARD**||.|||**7,044.98**|
|13 Mar 20|CR|Stripe Payments|UK|||||
|||STRIPE||||19.52|7,064.50|
|31 Mar 20|CR|Stripe Payments|UK|||||
|||STRIPE||||9.66|7,074.16|
|02 Apr 20|BP|Home||||||
|||HTH Acad 2020|||340.00||6,734.16|
|**08 Apr 20**||**BALANCE CARRIED FORWARD**|||||**6,734.16**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|6,734.1 6|
|Payments In|29.08|
|Payments Out|100.00|
|Closing Balance|6,663.24|
**International Bank Account Number** GB54HBUK40011392306980
## **9 April to 8 May 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 38
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Apr 20**||**BALANCE BROUGHT FORWARD**|.|||**6,734.16**|
|10 Apr 20|BP|Home|||||
|||HTH Acad 2020||100.00||6,634.16|
|30 Apr 20|CR|CHARITABLE GIVING|||19.42|6,653.58|
|01 May 20|CR|Stripe Payments UK|||||
|||STRIPE|||9.66|6,663.24|
|**08 May 20**||**BALANCE CARRIED FORWARD**||||**6,663.24**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|6,663.24|
|Payments In|86.67|
|Payments Out|0.00|
|Closing Balance|6,749.91|
**International Bank Account Number** GB54HBUK40011392306980
## **9 May to 8 June 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 39
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 May 20**||**BALANCE BROUGHT FORWARD**|.|||**6,663.24**|
|21 May 20|CR|AMAZON EUROPE CORE|||8.34|6,671.58|
|01 Jun 20|CR|Stripe Payments UK|||||
|||STRIPE|||9.66|6,681.24|
|02 Jun 20|CR|JUSTGIVING|||68.67|6,749.91|
|**08 Jun 20**||**BALANCE CARRIED FORWARD**||||**6,749.91**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|6,749.91|
|Payments In|371.03|
|Payments Out|0.00|
|Closing Balance|7,120.94|
**International Bank Account Number** GB54HBUK40011392306980
## **9 June to 8 July 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 40
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Jun 20**||**BALANCE BROUGHT FORWARD**|.|||**6,749.91**|
|26 Jun 20|CR|JUSTGIVING|||||
|||1569903 HBUKGB4105|||38.84|6,788.75|
|01 Jul 20|CR|Stripe Payments UK|||||
|||STRIPE|||9.66|6,798.41|
|04 Jul 20|BP|HUNJAN|||||
|||Ms Saggoo Donation|||322.53|7,120.94|
|**08 Jul 20**||**BALANCE CARRIED FORWARD**||||**7,120.94**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|7,120.94|
|Payments In|9.66|
|Payments Out|0.00|
|Closing Balance|7,130.60|
## **International Bank Account Number**
GB54HBUK40011392306980
## **9 July to 8 August 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 41
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Jul 20**||**BALANCE BROUGHT FORWARD**|.|||**7,120.94**|
|31 Jul 20|CR|Stripe Payments UK|||||
|||STRIPE|||9.66|7,130.60|
|**08 Aug 20**||**BALANCE CARRIED FORWARD**||||**7,130.60**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|7,130.60|
|Payments In|1,932.61|
|Payments Out|0.00|
|Closing Balance|9,063.21|
**International Bank Account Number** GB54HBUK40011392306980
## **9 August to 8 September 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 42
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Aug 20**||**BALANCE BROUGHT FORWARD**|.|||**7,130.60**|
|13 Aug 20|CR|AMAZON EUROPE CORE|||6.77|7,137.37|
|24 Aug 20|BP|HUNJAN|||||
|||LPD 22/08 Reunion|||320.00|7,457.37|
|25 Aug 20|CR|JUSTGIVING|||||
|||1667068 HBUKGB4105|||247.95|7,705.32|
|26 Aug 20|CR|GIVING COM LTD SAF|||||
|||1679109 HBUKGB4105|||21.37|7,726.69|
|01 Sep 20|CR|JUSTGIVING|||||
|||1673994 HBUKGB4105|||209.69||
||CR|Stripe Payments UK|||||
|||STRIPE|||9.66|7,946.04|
|02 Sep 20|CR|GIVING COM LTD SAF|||||
|||1687413 HBUKGB4105|||32.05|7,978.09|
|07 Sep 20|CR|JUSTGIVING|||||
|||1683797 HBUKGB4105|||1,085.12|9,063.21|
|**08 Sep 20**||**BALANCE CARRIED FORWARD**||||**9,063.21**|
## **Information about the Financial Services Compensation Scheme**
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).
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## **9 August to 8 September 2020**
## Your Statement
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 43
|Credit interest is not paid
**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|---|---|
||Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|9,063.21|
|Payments In|238.44|
|Payments Out|580.00|
|Closing Balance|8,721.65|
**International Bank Account Number** GB54HBUK40011392306980
## **9 September to 8 October 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 43
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Sep 20**||**BALANCE BROUGHT FORWARD**|.|||**9,063.21**|
|15 Sep 20|CR|GIVING COM LTD SAF|||||
|||1695702 HBUKGB4105|||145.95|9,209.16|
|22 Sep 20|CR|JUSTGIVING|||||
|||1703374 HBUKGB4105|||54.34|9,263.50|
|30 Sep 20|CR|GIVING COM LTD SAF|||||
|||1714165 HBUKGB4105|||28.49|9,291.99|
|01 Oct 20|CR|Stripe Payments UK|||||
|||STRIPE|||9.66|9,301.65|
|03 Oct 20|BP|Hampshire Medical|||||
|||HappytoHelp||580.00||8,721.65|
|**08 Oct 20**||**BALANCE CARRIED FORWARD**||||**8,721.65**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|8,721.65|
|Payments In|241.66|
|Payments Out|1,400.00|
|Closing Balance|7,563.31|
**International Bank Account Number** GB54HBUK40011392306980
## **9 October to 8 November 2020**
**Branch Identifier Code** HBUKGB4105K
## **Account Name**
HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 44
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Oct 20**||**BALANCE BROUGHT FORWARD**|.|||**8,721.65**|
|17 Oct 20|BP|Home|||||
|||HamphMedTrust||700.00||8,021.65|
|21 Oct 20|CR|GIVING COM LTD SAF|||||
|||1740388 HBUKGB4105|||164.03||
||BP|YoungMinds|||||
|||HappyToHelpMindset||700.00||7,485.68|
|23 Oct 20|CR|JUSTGIVING|||||
|||1750215 HBUKGB4105|||77.63|7,563.31|
|**08 Nov 20**||**BALANCE CARRIED FORWARD**||||**7,563.31**|
## **Information about the Financial Services Compensation Scheme**
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).
|Credit interest is not paid
**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|---|---|
||Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|7,563.31|
|Payments In|1,320.76|
|Payments Out|1,206.00|
|Closing Balance|7,678.07|
**International Bank Account Number** GB54HBUK40011392306980
## **9 November to 8 December 2020**
**Branch Identifier Code** HBUKGB4105K
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 45
|**Your Community Account**
|**Your Community Account**
|**Your Community Account**
|**details**|||||
|---|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||||
|**08 Nov 20**||**BALANCE BROUGHT FORWARD**||.|||**7,563.31**|
|16 Nov 20|CR|AMAZON EUROPE CORE||||8.40|7,571.71|
|01 Dec 20|CR|RATHOR RS||||||
|||RAJ RATHOR||||80.00|7,651.71|
|02 Dec 20|CR|JAWANDA BS & AK||||||
|||HAPPY||||50.00|7,701.71|
|03 Dec 20|BP|Home||||||
|||HTH Farmers|||1,206.00||6,495.71|
|06 Dec 20|CR|Suri Ikjyot||||||
|||IKJYOT - FARMERS||||150.00||
||CR|CHAMKOR KHAKHA||||||
|||chamkor khakha||||150.00||
||BP|JUTLA M S||||||
|||Charity dr jutla||||100.00||
||BP|HUNJAN A P S||||||
|||Ajit - Farmers||||100.00||
||CR|DURHAILAY G||||||
|||KISSAN||||50.00||
||BP|HUNJAN||||||
|||Mum & Dad - Farmer||||100.00||
||BP|HUNJAN||||||
|||GurpalSim - Farmer||||150.00||
||CR|A Deol||||||
|||TOJI - FARMERS||||50.00|7,345.71|
|07 Dec 20|CR|KAPOOR K||||||
|||ZIVAH AVIRAJ K||||51.00|7,396.71|
|08 Dec 20|BP|BENNING||||||
|||Mandeep - Farmer||||125.00||
|||**BALANCE CARRIED FORWARD**|||||**7,521.71**|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## **9 November to 8 December 2020**
## Your Statement
**Account Name Sortcode Account Number Sheet Number** HAPPY TO HELP 40-01-13 92306980 46
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**||||
|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|**_Paid out_**|**_Paid in_**|**_Balance_**|
|||**BALANCE BROUGHT FORWARD**|||**7,521.71**|
||CR|GIVING COM LTD SAF||||
|||1811127 HBUKGB4105||156.36|7,678.07|
|**08 Dec 20**||**BALANCE CARRIED FORWARD**|||**7,678.07**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
## **Account Summary**
|**Account Summary**||
|---|---|
|Opening Balance|7,678.07|
|Payments In|2,536.87|
|Payments Out|2,724.11|
|Closing Balance|7,490.83|
**International Bank Account Number** GB54HBUK40011392306980
## **9 December 2020 to 8 January 2021**
**Branch Identifier Code** HBUKGB4105K
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 47
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**|||||
|---|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A|||||||
|**08 Dec 20**||**BALANCE BROUGHT FORWARD**|.|||**7,678.07**|
|09 Dec 20|CR|JUSTGIVING|||||
|||1824348 HBUKGB4105|||83.12||
||CR|J Chima|||||
|||J Chima|||50.00||
||CR|J Ahitan|||||
|||Jaspreet ahitan|||10.00||
||CR|HARDEEP SEHRA|||||
|||hardeep - FARMERS|||10.00||
||CR|Seehra Gajan|||||
|||GAJAN - FARMERS|||20.01||
||CR|JOHAL J V03|||||
|||JESSE-FARMERS|||50.00|7,901.20|
|10 Dec 20|CR|GURPREET CHANDSURE|||||
|||Rick and Pavan|||25.00|7,926.20|
|12 Dec 20|CR|Harveer Dhanda|||||
|||Sent from Monzo|||50.00|7,976.20|
|14 Dec 20|CR|SANGHERA S/STU11|||||
|||MAMI JI + SIMMI|||100.00||
||CR|CASSANDRA BENSON|||||
|||Happy To Help|||20.00|8,096.20|
|15 Dec 20|CR|JUSTGIVING|||||
|||1818394 HBUKGB4105|||268.16|8,364.36|
|17 Dec 20|BP|Home|||||
|||Christmas 2020||544.11||7,820.25|
|18 Dec 20|BP|Home|||||
|||Farmers Pledge 2||2,000.00||5,820.25|
|||**BALANCE CARRIED FORWARD**||||**5,820.25**|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## **9 December 2020 to 8 January 2021**
## Your Statement
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 92306980 48
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**||||
|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|**_Paid out_**|**_Paid in_**|**_Balance_**|
|||**BALANCE BROUGHT FORWARD**|||**5,820.25**|
|21 Dec 20|CR|SANGANI NR||||
|||CHARITABLE DONATIO||50.00||
||CR|RAIMONDA BULLAJ||||
|||Rai 4 Farmers||50.00|5,920.25|
|22 Dec 20|CR|JUSTGIVING||||
|||1843355 HBUKGB4105||7.12||
||BP|JUTLA M S||||
|||Charity dr jutla||100.00|6,027.37|
|23 Dec 20|CR|JASPINDER BAIDWAN||||
|||Donation to Kisaan||100.00||
||CR|HARVINDER CHANA||||
|||PUNJAB FARMERS||200.00||
||CR|CHANA J||||
|||HAPPY TO HELP-JAS||50.00||
||BP|PANDYA AAYUS||||
|||Supplies||30.00||
||CR|J Dale||||
|||joban farmer help||100.00||
||CR|A Deol||||
|||TOJI - FARMERS||50.00||
||CR|THANDI HK||||
|||THANDIS PLEDGE||100.00|6,657.37|
|24 Dec 20|CR|Suri Ikjyot||||
|||IKJYOT - FARMERS||50.00||
||BP|GREWAL S K||||
|||Pledge 2||150.00||
||BP|YOUR SEVA||||
|||Happy to Help|180.00|||
||CR|SANGHERA S/STU11||||
|||HARMAN PLEDGE||100.00||
||CR|SANGHERA S/STU11||||
|||SIMMI+MAMI PLEDGE||100.00||
||CR|JUSTGIVING||||
|||1830809 HBUKGB4105||58.46||
||CR|KARUN CHHOKAR||||
|||Karun - Farmers||250.00||
||BP|BENNING||||
|||Mandeep - Farmer||75.00|7,260.83|
|26 Dec 20|BP|GREWAL H K||||
|||Farmers||50.00|7,310.83|
|29 Dec 20|CR|SANDHU H S||||
|||BHINDER||30.00||
||CR|SIMRAN HUNJAN||||
|||farmers 2||50.00||
|||**BALANCE CARRIED FORWARD**|||**7,390.83**|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## **9 December 2020 to 8 January 2021**
## Your Statement
**Account Name Sortcode Account Number Sheet Number** HAPPY TO HELP 40-01-13 92306980 49
|**Your Community Account**
**details**|**Your Community Account**
**details**|**Your Community Account**
**details**||||
|---|---|---|---|---|---|
|**_Date_**|**_Paym_**|**_ent type and details_**|**_Paid out_**|**_Paid in_**|**_Balance_**|
|||**BALANCE BROUGHT FORWARD**|||**7,390.83**|
||CR|CHAMKOR KHAKHA||||
|||chamkor khakha||100.00|7,490.83|
|**08 Jan 21**||**BALANCE CARRIED FORWARD**|||**7,490.83**|
## **Information about the Financial Services Compensation Scheme**
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).
|||
|---|---|
|**_AER_**
**_balance_**
**_variable_**
**Credit Interest Rates**|**_EAR_**
**_balance_**
**_variable_**
**Debit Interest Rates**|
|Credit interest is not paid|Debit interest
21.34%|
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|0.0 0|
|Payments In|0.00|
|Payments Out|0.00|
|Closing Balance|0.00|
## **.Interest Rate - Valid as at end date of the statement period**
0.20% AER
**International Bank Account Number** GB04HBUK40011342306999
## **9 February 2019 to 8 February 2020**
**Branch Identifier Code** HBUKGB4105K
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 42306999 3
|**Your Business Money Manager**
**details**|**Your Business Money Manager**
**details**|||||
|---|---|---|---|---|---|
|**_Date_**|**_Paym ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||
|**08 Feb 19**|**BALANCE BROUGHT FORWARD**|.|||**0.00**|
|**08 Feb 20**|**BALANCE CARRIED FORWARD**||||**0.00**|
## **Information about the Financial Services Compensation Scheme**
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).
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018
Contact tel 03457 60 60 60 see reverse for call times Text phone 03457 125 563 used by deaf or speech impaired customers www.hsbc.co.uk
## Your Statement
Mr Gurpal Singh Hunjan 18 Cavendish Gardens Ilford Essex IG1 3EA
|**Account Summary**||
|---|---|
|Opening Balance|0.0 0|
|Payments In|0.00|
|Payments Out|0.00|
|Closing Balance|0.00|
## **.Interest Rate - Valid as at end date of the statement period**
0.01% AER
**International Bank Account Number** GB04HBUK40011342306999
## **9 February 2020 to 8 February 2021**
**Branch Identifier Code** HBUKGB4105K
**Account Name** HAPPY TO HELP
**Sortcode Account Number Sheet Number** 40-01-13 42306999 4
|**Your Business Money Manager**
**details**|**Your Business Money Manager**
**details**|||||
|---|---|---|---|---|---|
|**_Date_**|**_Paym ent type and details_**||**_Paid out_**|**_Paid in_**|**_Balance_**|
|A||||||
|**08 Feb 20**|**BALANCE BROUGHT FORWARD**|.|||**0.00**|
|**08 Feb 21**|**BALANCE CARRIED FORWARD**||||**0.00**|
## **Information about the Financial Services Compensation Scheme**
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).
The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ
## **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 abroad, your statement will show where the transaction took place, the amount spent in local 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 non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.
For non-Sterling (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 ‘NonSterling Transaction Fee’.
## HSBC UK Bank plc
Registered in England and Wales with registration number 09928412 Registered office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom
Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk (UK customers) or ciiom.hsbc.com (Channel Islands and Isle of Man customers) 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 currency other than sterling 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, Channel Islands and Isle of Man if we convert the withdrawal to Sterling for you. 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.
The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Channel Islands Financial Ombudsman in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.
## **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** (UK customers) or **ciiom.hsbc.com** (Channel Islands and Isle of Man customers).
## **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 abroad, please call us on **44 1442 422 929.**
RFB1898 MCP50300 07/18 © HSBC Group 2018