HSBC/Bradford&Bingley mixup

Yakubu22

Good Evening,

My girlfriend has just realised that her monthly £100 Standing Order from her HSBC current account has not been arriving at her Bradford&Bingley ISA. She recieved her Bradford&Bingley statement last week and the balance fails to show any deposits since Feb 08. HSBC initially setup the SO for her at a local branch. It appears all the account details are correct. But she is quite obviously missing 10x£100 deposits into her ISA plus any interest earnt in that period! Her HSBC statements going back to Feb 08 all show the £100 leaving.
We've checked that the money wasnt rejected and returned back to her HSBC current account. So it appears it's disappeared into a black hole and we are quite concerned.

Can anyone offer any advice on this?

Yakubu22

any advice would be great!

nobby24

My advice would be to ring HSBC and B&B and find out why the transactions haven't happened. Seems to have gone on a long time without your girlfriend noticing! I check my accounts daily.

Aegis

Check the standing order for the sort code and account number of the recipient, then take that from HSBC to Bradford and Bingley to check that the numbers match up. If they don't, ask them to find what numbers correspond to your outgoings and to reclaim them into the account with the lost interest.

If the money has left HSBC and the details are correct on their side of things, it is likely that the problem lies somewhere with B+B, so definitely talk to them to see if they can help.

[Deleted User]

If my experience is anything to go by it's a B&B c0ck up, they're a bunch of clowns. I've only made two transactions with them, and they made a hash of both.

LilLeese

I am an ex B&B employee and I probably saw this happen about ten times a day. I think it maybe the fault on HSBC side. The B&B account numbers are Building Society numbers and are different to other banks so there is often a mixup. There is a sort code which is the same for everybody (sorry can't remember it) but it is in the inside cover of passbook or on certificate. Then the Bank Account number is 00000000. And then the Building Society Roll or Ref no: which is 3 numbers, two letters, six numbers and a final letter. Most banks try to put this in as the account number.

How you go about claiming any interest lost I don't know though! Hope this helps!

Oh and if the money has nowhere to go it bounces straight back to HSBC account!

[Deleted User]

My problems with B&B weren't to do with standing orders specifically.

I sent them a cheque with application form for a new account. After a while I hadn't heard anything, so I rang them and they told me they'd never received it. I quickly rang Lloyds to put a stop on the cheque, only for a B&B welcome pack to drop through the door the following morning. The account had already been open for three days at the time they were telling me they'd never received the application. I then got a letter charging me for the bounced cheque.

A few months later, I sent off a slip for my first withdrawal of £200. I then found that instead of processing the £200 withdrawal, they closed the account and dumped the whole £25k balance into my current account where it was earning no interest until I noticed it some time later. When I complained, the woman on the phone kept saying "It's not my fault, you sent us the request".