£19k from nowhere

As much as I enjoyed reading the load of old balls that was Talbs13's £150k thread, I fear this has been derailed :(

Any update on the £19k??
 
Wow what a crap bank, common sense would dictate that you allow the person to carry out their normal weekly shopping habits, but don't allow them to withdraw the 19k.
 
Talbs13 said:
And he still is without access after 5 days. He phoned the bank and said, "I have a habit, its called EATING". LOL.

Be very careful. :)
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A colleague of mine from a previous job had this happen. Like the O.P. it was with HSBC as well.

He had two deposits of large amounts to his account, HSBC fraud picked it up and froze his account within hours.

His phone calls to the bank were a complete exercise in frustration for the guy. He was left unable to pay rent, food bills, electricity and everything (unfortunately for him the incident occurred at the end of the month just as all the bills came in.) it's bound to have impacted his credit score. People on the other end of the phone were unprepared to deal with him or explain how he could progress with the situation.

Visits to the bank were just as fruitless.

It's one very, very strong argument towards not keeping your money all in one bank, but splitting it between banks / building societies.
 
Garp said:
A colleague of mine from a previous job had this happen. Like the O.P. it was with HSBC as well.

He had two deposits of large amounts to his account, HSBC fraud picked it up and froze his account within hours.

His phone calls to the bank were a complete exercise in frustration for the guy. He was left unable to pay rent, food bills, electricity and everything (unfortunately for him the incident occurred at the end of the month just as all the bills came in.) it's bound to have impacted his credit score. People on the other end of the phone were unprepared to deal with him or explain how he could progress with the situation.

Visits to the bank were just as fruitless.

It's one very, very strong argument towards not keeping your money all in one bank, but splitting it between banks / building societies.
Click to expand...


HSBC appear to be one of the worst banks out there for actually helping their customers.

A friend of mine is having to claim bankruptcy due to them applying charges for being over his overdraft every month, which he can't get out of. It started with him settling everything and being fine, and then they applied a late charge, throwing him over the overdraft, and since then spiralled further and further out of control.

Someone on the phone told him they'd freeze the charges....next month they charged him again. He called and they denied all knowledge. Branch visits, writing, speaking to managers....nothing.

He spoke to an expert regarding setting up a IVA, who said HSBC NEVER agree to them, and since they're his major debtor, he'd be best opting for bankruptcy. Since then he spoke to an actual solicitor who said the same.

Nice.
 
Pestilence said:
HSBC appear to be one of the worst banks out there for actually helping their customers.

A friend of mine is having to claim bankruptcy due to them applying charges for being over his overdraft every month, which he can't get out of. It started with him settling everything and being fine, and then they applied a late charge, throwing him over the overdraft, and since then spiralled further and further out of control.

Someone on the phone told him they'd freeze the charges....next month they charged him again. He called and they denied all knowledge. Branch visits, writing, speaking to managers....nothing.

He spoke to an expert regarding setting up a IVA, who said HSBC NEVER agree to them, and since they're his major debtor, he'd be best opting for bankruptcy. Since then he spoke to an actual solicitor who said the same.

Nice.
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HSBC are the biggest bunch of morons going, I wouldnt touch them ever again, they screw you are every opportunity, he should just go bankrupt especially if he hasnt got a house as they wont get a bean out of him as he has no real assets and they rarely touch your car now if you say you need it for work.
When I had my problems with HSBC and money in general I seriously would have loved to have gone bankrupt and then laugh down the phone at HSBC but I didnt I sorted it all out and closed my accounts and went elsewhere.
 
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