Well done HSBC
- Thread starter Stev
- Start date
Likewise - I remember paying for an O2 prepaid topup .. Natwest automatically cancelled my card, phoning the fraud unit couldn't do anything. Very annoying when you've just buying a house and need to pay for parts of the house purchase with the card. I had to switch to bank transfers until the card and number arrived..
@mattyg - it's funny how companies want you to engage in their own social media, that nobody reads unless they're already complaining..
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Banks can be real stupid sometimes. Last year I sold a house and had £81k deposited in my account. I then proceeded to pay off all credit cards, car finance etc etc in total about £40k in 2 days. I then went to a DIY store to buy some Xmas decorations and my card got declined for £140. I rang then bank and they said they had seen some unusual activity.
The £40K was unusual not the £140
The £40K was unusual not the £140
Mrs works at HSBC dealing with complaints.
Funny actually as she was just telling me about this scenario earlier. Apparently they've had thousands of complaints about this as they are automatically upgrading accounts to the advance ones if you receive at least 1 credit of £1,750p/m
I'm sure a call to them will see something sorted out and you'll certainly be compensated. Mrs mentioned everyday you're without a card you should be looking at a minimum £25 compensation.
Funny actually as she was just telling me about this scenario earlier. Apparently they've had thousands of complaints about this as they are automatically upgrading accounts to the advance ones if you receive at least 1 credit of £1,750p/m
I'm sure a call to them will see something sorted out and you'll certainly be compensated. Mrs mentioned everyday you're without a card you should be looking at a minimum £25 compensation.
Really? Try harder on the bait. Mr Troll (do you work for RBS/Natwest?)
Natwest cancelled the card and rejected the O2 payment transaction leaving me without a card to pay the insurance required to be setup on the exchange date it's all there in hard evidence - including the ****** long wait for the fraud management team to respond to the call.
@mattyg - probably the BACS in-bank transfer for the house may have had something todo with my problem as well
Natwest requires the manager of the bank branch to cross check the payment too after the employee has done the footwork.. including scrutinising the passport! Pushing the button on the keypad when it ask if you want to perform the payment.. I had sweaty palms on that one! (think 1/3 of the value of a decent 3 bed house in Surrey..)
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Soldato
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Transfer money to a friend/relative and get them to pay deposit on insurance.
Complain to HSBC about them changing your account without notice and what problems they have caused. You should get compensated in some way.
They did the same to my pensioner mum a few years back. Thought they had stopped doing it now but obviously not.
Complain to HSBC about them changing your account without notice and what problems they have caused. You should get compensated in some way.
They did the same to my pensioner mum a few years back. Thought they had stopped doing it now but obviously not.
They are sending a card to the local branch, god knows when I will get it, ill phone them tomorrow or something as i'm off to work soon, however if you could get me the details off your mrs about who I need to complain about ill be much obliged (luckily this has happened on a double bank holiday, timing eh?)
Yep, me too. Obviously need to skim some cash off to pay their fines for dodgy dealings.
It's not like it's a small cut either!
trying to think to the last time HSBC sent me a new card..
pretty sure you have to activate the new card to invalidate the old one. unless the old one has expired (as per the date stamped on it) of course?
Soldato
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Man, this is why I have more than one bank account, also have you thought about ringing your old insurance and telling them not to renew?
None of this surprises me. After they closed my Colombian Cartel account AND my Geneva Evasion account I've had it with HSBC - I think I'll switch my remaining funds to top up my Lehman Brothers investments. They must be doing well as I haven't received any marketing SPAM from them for years.
Soldato
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Yes, I was sent a HSBC Advance card and my account upgraded - I had a lot of payments come through at once, I was £27 short this month, wonder what will happen?
They didn't even give me chance to say no, I'm still using my old debit card.
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alright then.
Caporegime
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How about doing something simple like, decline auto renew, sort out the new insurance, ask for a reference number, sort code and account details and do a payment via your online banking..... zomg, that was crazy difficult.
I pay loads of bills through bank transfers rather than DD's, HSBC are one of the better banking websites, well, looks a bit crud but simple and usually quick transfers. Long before most banks were forced to do quick transfers my HSBC transfers in and out were literally days quicker than getting money into/out of my Barclays account.
The new insurance(new company?) will happily give you their details for the payment, they want your money, direct debits simply show up in the same way in their system, reference number and amount paid and system automatically checks if off against your account.
Yes, HSBC are utterly ridiculous to automatically upgrade an account and cancel a card, but with other ways to pay, suggesting this locks you into paying £400 more for insurance is rather silly.
15 years ago this would have been a bigger issue, though again ref number, account details of insurance company then going into your bank or phoning up to get them to make the payment would be easy enough, today though this can be done within a minute or so online.
I was regaling my personal experience on both an RBS debit and credit card in the past month. I'm not sure you understand the meaning of bait or troll
Soldato
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Bit annoyed with HSBC too here - they sent me quite a few pages of of stupid questions to fill in such as "Who have you inherited money from" , "How did the deceased originally acquire this money" etc.
Why would you avoid credit cards? They can save you a decent bit of extra cash if you get one with a good points/rewards scheme.
Yes, they are automatically upgrading some customers to the Advance account - but to be fair it's a better account with perks.
Look at the ISA - deposit £300 lump sum or £25 per month and they will credit you an extra £10 per month for 12 months; free cash!
Look at the ISA - deposit £300 lump sum or £25 per month and they will credit you an extra £10 per month for 12 months; free cash!