No payout for me then (banks win case)

HSBC are charging me roughly £150 a month at the moment. I applied for a loan to clear my debt (including one credit card as well). The monthly loan repayment was £99 and they declined my application based on that fact that i couldn't afford it. Utter, utter cunts of the highest degree. They all deserve to burn and die.

Unfortunately, about 12 months ago, i had to pay to fix my boiler. This left me £45 into my unauthorised overdraft. I was charged £40 for this.
As it was the beginning of the month, all of the subsequent direct debits for phone, home insurance & water (the rest had come out on pay day before the boiler problem) were taken out but also charged at £30 a time. This left me £130 into my unauthorised overdraft + the amounts for the actual bills.

The month after that, i was obviously left short due to these charges. I was then charged a further £90 for being overdrawn. After that point, it has preceeded to spiral upwards as each month, i was left more and more short by the charges. Currently, i go about £300 a month into my unauthorised overdraft and at last HSBC have capped the monthly charges at £152.50.

As i said in an above post, i have spoken with them on several occasions about getting a loan to pay off debt rather than just being charged for having debt but they have declined 4 separate applications.

I fail to see how either of you can call this situation in such a black and white manor.

This is exactly what happened to me, I accidentally went over once without knowing, and they charged me £8 or something stupid, then everything happened at once similar to soul, and i had to go over again, for a matter of days before i got paid again, this time they charged me in the region £80, and henceforth i kept going over my overdraft due to be being left short every month becuase of their charges and the charges got bigger and bigger, i tried applying for a loan, but the one they offered me to pay off my student overdraft completely and my credit card was at something ridiculous like 25.4% APR so i told them to go fuck themselves. luckily i have in the past month, finally been paid back £300 owed to me by a previous house mate, and have managed to break free of the downward spiral of fees.

seriously, for people on a tight income, just 1 or 2 unfortunate slip ups can cause a spiral of chaos in charges. they are cunts.