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very poor telephone banking... it took 25 minutes to explain the operator....
I opened my account with HSBC in Nov 2009. All seemed fine until I went on holiday and my card was cloned, To be fair HSBC didn't let the transaction go through and I was sent a new card within 2 days. No pin arrived for 2 weeks though! Anyway I received a letter dated 09.07.2010 saying due to fraud, my account had been closed and to cut up my card. I tried to use my internet banking but it rejected my login, I then called them and was told to go to a branch to confirm my identity. I did this today and when I went in I got told that I had taken out a £5500 loan at a different address and I hadn't disclosed it. I told them that I hadn't and that I had never lived at that address but they say that my account will remain closed and that I had to make "alternative arrangements for my banking needs!" WTF??? Surely a letter to myself asking about any previous addresses or loans could have sorted this out? I now have no where to pay my salary to or any way to pay any direct debits! Thanks HSBC You suck! And whats worse is that I sell HSBC home and travel Insurance for them, how can I sell a brand I don't believe in? The customer service you get from them is shocking!
Transferred my account from Santander (no problems but woefully slow clearance times) to HSBC. Upon joining, I was advised to create two business accounts (one day-to-day business and another for property rentals). HSBC would manage the whole transfer process for me (nice and easy, nothing to worry about etc.) - except: they moved the direct debit for the property mortgage to the day-to-day account; the rents which pay the mortgage go to the rentals account. Cool... Seems pretty obvious to me that rent pays mortgage on rental property... So mortgage drawn from wrong account, returned unpaid, I get clobbered £35 from mortgage company, plus £25 from HSBC - £60 for something which is entirely not my fault. I pay mortgage company from correct account debit card. I inform the mortgage company of the CORRECT account from which to draw payment. Sorted… Then HSBC send me letter to say that the mortgage company is drawing from wrong account and they haven’t responded to notifications from HSBC. I call mortgage company and confirm they are drawing from correct account – they are. Thought matters sorted – not quite… There has subsequently been a problem with the HSBC Commercial Card – it’s a curse, not an asset. Given that I have been with HSBC for just over two months and had at least one issue each month, (now totalling £50 in fees to HSBC). One more 'issue' and I will close my accounts and return my business to Santander. A six-day wait is a small price to pay for easy-to-manage, free and reliable and predictable banking. I bitterly regret moving.
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