thatgirlindebt
Region: GB
Friday 22 August 2025 16:08:12 GMT
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Clare Anna :
She is taking responsibility though by working hard to pay it all off so why are people being mean?
2025-08-22 17:42:25
64
Kirsty Jackson :
because some people have paid their charges and interest and get nothing back
2025-08-22 18:55:37
2
Hannah Winning :
I think people see “HSBC refunded me” as “HSBC gave me free money” but it’s a refund of interest and charges, not on any money you have borrowed.
2025-08-22 17:33:25
213
Racquelle :
The fact the ombudsman agreed it was wrong and you should be refunded says it all! HSBC are in the wrong here and not you.
2025-08-23 08:01:35
13
LizzyGracie :
I love how you have documented this claim. We act like our relationship with finance is one sided. It is two-sided! Big financial institutions are run by real people, making real policies, if not individual decisions, too. Like any relationship, there are loads of factors impacting how both sides act. ALL the responsibility does not fall on the individual, just like in a toxic relationship, it isn't always the victim!
2025-08-22 16:15:40
66
UncFaz :
You should get on a budget and spend within your means.
2025-08-23 13:29:17
8
PokeLaney :
Off topic but I really like your earrings 🥰
2025-08-22 16:17:45
1
Amy Lou ✌🏼 :
People forget the entire banking system is designed this way so people make them rich and sometimes it takes people a while to realise and correct it. Many don’t they stay in the trap.
2025-08-22 16:43:16
17
user6961526132736 :
Keep it up 💚
2025-08-22 19:49:46
1
ildapilda :
You get more beautiful by the post! You look lighter and happier the less debt you have 🥰
2025-08-24 17:43:51
0
danielle 🌻✨ :
This sort of attitude makes no sense! Do they not realise the banks are unethically profiting from interest charges? Higher credit usage = higher interest = more profit. By extending credit to someone already in debt (and unlikely to be able afford to pay it off in a reasonable time frame), they are preying on someone who is financially vulnerable to make more profit! 😤
2025-08-22 17:02:24
6
Tabatha cottage crafts :
You can’t please all the people all the time, stuff them if they can’t be happy for you xx just keep being you xxxx
2025-08-22 17:22:04
1
jokes :
I'm glad they've refunded you, and they definitely should. However playing devil's advocate here- I never used overdraft, or have been in debt, and there's been times when I've really struggled and wish I did go into my overdraft if I knew that down the line it would just been cancelled/refunded. There's a strange unfairness which I think people see. It's not on the side of the banks, it's on the side of "I've been responsible, you weren't, and it seems like you've won". Obviously there's so much of a bigger picture, and I'm honestly really happy for you and I do not think the banks should ever lend irresponsibly, just trying to understand the other side also ❤️
2025-08-22 16:18:07
6
Robyn :
The commenters are missing the point (either purposely or naively) AFFORDABILITY COMPLAINTS are to highlight irresponsible lending from the financial institution lending credit. If the lender had followed financial regulation & law, there would be no affordability complaints!! 🤦🏼♀️
2025-08-22 16:46:20
40
Nat O :
They need to ask themselves whether they would lend X amount to a friend who had no way of paying them back for 10+ years.
2025-08-22 16:48:17
23
kelseyautumn1 :
Banks don’t take into consideration how mental health, addiction etc can make people take out credit cards , overdrafts etc they need more checks x
2025-08-22 17:41:49
7
steph :
When will you find out how much you are getting refunded? I’m so excited for you!
2025-08-23 09:08:22
6
eizhowa :
Imagine how hard the banks lobbied against these protective laws, and notice how they still lost!
2025-08-22 20:04:31
2
MrsSpoinks :
I think there are lots of different sides to this issue. Banks shouldn’t lend irresponsibly, people shouldn’t spend irresponsibly. Interest rates are shockingly high but they’re no surprise. I am genuinelyynot unsympathetic but I can see both sides. banks in general are profiting shamelessly from the credit culture that they have helped create. But they are not forcing us to spend money we don’t have. It’s just my opinion. All that said, you are a wonderful advocate for digging deep and getting out of a very large hole 👍
2025-08-22 17:37:32
2
user45705046624624 :
You havnt done anything wrong. Please don’t feel need to explain yourself x
2025-08-22 18:09:48
2
CattyC1ward :
Honestly ignore the haters - they are going to hate whatever - big banks make huge profits so getting some back for the little person deserves a well done xx
2025-08-22 18:26:21
2
Bear :
Banks are Just Businesses, Like Brands for example who Sell Goods , Expensive or Otherwise, But my point is No one. Says you HAVE to Do a Transaction with them
2025-08-22 18:35:36
2
charbert82 :
Isn’t your whole content taking responsibility?? Keep going ❤️nearly there xx
2025-08-22 18:53:13
2
Emma & Tabitha :
I have four credit cards all with limits of £6000 and I haven’t asked for the limits they started off low and they were increased x
2025-08-22 17:24:27
2
⁸¹Luigi¹⁰ :
these banks KNOW what they are doing. why do people choose to defend them?
2025-08-22 17:14:55
2
Sharon 💕💕💕 :
I like what you have said I myself am now going to complain. Thanks for sharing and ignore the haters xxx
2025-08-22 16:58:34
2
Joy Forrest :
You didn’t have to use it. You should have asked them to reduce it.
2025-08-23 14:25:20
2
Kirsty Duffy :
They are so bitter 😂😂
2025-08-22 16:23:23
2
Boldlybibi :
They should also pay you inconvenience and distress
2025-08-23 23:01:59
1
Laura - Side Money Mummy 💸 :
Hot take but some people just love to watch others fail as if they wouldn’t ask for help if it was available 😂😂
2025-08-24 12:06:47
1
Caroqueen :
Don’t listen to the haters. Excessive bank charges are legalized theft full stop and so they should pay back the excessive charges. A fair charge is different but these banks are making massive profits on the back of vilnerable people s as if it’s shameful. They trap people into a cycle of poverty and hoplessness
2025-08-24 15:33:35
1
clarebenit :
This is why this Country is in the mess it's in. They've managed to brainwash people with very little money to defend the mega rich people/companies who are bleeding us dry. It's so frustrating 🙄
2025-08-25 08:23:38
1
Nat Cormican :
Hope u get back enough to clear your debt ❤️
2025-08-22 21:16:12
1
littlekado17 :
I hope you get enough back for your journey to be over to the savings side ❤️
2025-08-22 21:11:49
1
TwoLittleReasons :
Did you find out how much you’re getting back 🥰?
2025-08-22 20:14:39
1
Clare Simmonds483 :
The commenter not realising you literally paid them everything back…you’re literally just getting the “extras” they charged you back - that’s totally fair! Some people get the whole debt wiped, and honestly even that is sometimes fair!
2025-08-22 16:52:56
1
hollyhock26 :
I don’t understand how anyone thinks you’re not taking responsibility? You’ve paid off £21,000, the bank aren’t giving you back money that you spent, they’re giving back the profit that they made from their irresponsible lending?
2025-08-22 16:57:59
1
andreacorr0 :
You have taken massive responsibility some people would just go bankrupt You didn't you paid every penny yourself with no help from anyone and done without luxuries to do it Give yourself a massive pat on the back I'm so proud of you
2025-08-22 19:15:53
1
Becca 🍉 :
HSBC are shocking when you dig deep. It was HSBC who falsely reported my dad for a bounced cheque in Dubai, he wasn’t in the country it was forged. UAE govt sentenced him to 6 years in prison! I’ll never use HSBC again
2025-08-22 16:52:50
0
TheTruth :
Congratulations just 1k remaining ..
2025-08-23 23:05:14
0
Great Scot Abroad :
People’s response is so multi faceted though - sometimes it’s just bitterness from them because they don’t think you should have borrowed it in the first place, or that they borrowed it and their claim was declined. There are also a minority who work for the bank who actually do want to defend the banks. And some who never borrowed and did without but feel everyone who did borrows is getting money back eg ppi/car finance/irresponsible lending etc. Lastly, you’re taking responsibility now and making the repayments because you’ve changed. Your borrowing was still irresponsible by you, at the time, often people have an issue letting you move in, acknowledging that you can have been silly in the past but recognise it and make the changes. Well done!!
2025-08-22 16:24:36
0
Thedodger5 :
Well done you … feck the haters look after yourself sweetheart great vids and story
2025-08-24 16:33:13
0
Abbie Robinson :
Omfgggg I’ve joined this journey LATE! Have about the same amount of debt and would loooove to know how you’ve gone about paying it off and how long it’s taken you?! Any resources would be incredible!
2025-08-24 19:02:18
0
snarfcat :
Late stage capitalist brain rot I fear 🫠 banks should be taking responsibility for preying on poor people and exploiting them.
2025-08-25 06:28:29
0
Jo :
🥰🥰🥰
2025-08-22 16:24:03
0
nikki :
Love your ear rings
2025-08-25 10:30:04
0
Helen Alderson Eddy :
Do you have a draft letter that you wrote to them please
2025-08-25 10:44:20
0
Kirsty’s Edit :
An independent financial service, found them to be in the wrong so they should pay the money back to you. More protection for the little people 🥰🥰
2025-08-27 12:03:50
0
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