HSBC Student Account Issues.

Darren08

username wrote: »

Is there any reason why you want the overdraft put on so quickly?

It's not a case of ''so quickly'' it's what they promised me and told me numerous times I was entitled to. I don't really mind if they add it now or September 25th, just so long as I know I'm getting it, which at the minute they can't say either way. The security of knowing that if for whatever reason I find myself short or struggling, I have that there to fall back on. 3 years interest free during the course then 2 years interest free from graduation. Safety and comfort.

Darren08

Scousebird wrote: »

Is this the ONLY student account you have?

It's the only student account I've applied for yes. I only have a current account with another provider, haven't even tried with them.

Darren08

PARIS_5000 wrote: »

I have a student account with HSBC which was set up right away with overdraft and credit card because I show proof that I was a student with a letter from Uni and student loan payment leter. I think you should have opened your student account in August or September because HSBC new student year does not start until the 31st July. This could be the
reason why you have had so much problems. I hope that you sort out your problems soon and do not worry about the credit searches because I had lots of credit searches and still got my student account.

See I wish they'd just told me all this, the branch woman basically said ''no time like the present''. I even took down my letter confirming my place, confirming my acceptance of the unconditional offer AND took down ID and the student loans confirmation of my funding. The branch is definitely completely to blame.

flossy_splodge

I'm about to PM you in the hope I can help.

Lokolo

I think only Co-op gives overdrafts before going to uni.

Everyone else won't until you actually start.

PARIS_5000

Darren08 wrote: »

See I wish they'd just told me all this, the branch woman basically said ''no time like the present''. I even took down my letter confirming my place, confirming my acceptance of the unconditional offer AND took down ID and the student loans confirmation of my funding. The branch is definitely completely to blame.

HSBC student account can be apply for on the internet and you can call afterwards to follow up on your application. If you call 08000324738 they should be able to help you with your situation. Please do not be put off by HSBC because they are a good bank and the customer service is good.

HSBC prefers students to apply for their account on the internet and the application process on the internet is very easy this how I apply for my account.

Student account are different from normal current accounts and I think that person in the branch was not sure how to deal with your application because the new student year had not started.

Good luck

flossy_splodge

flossy_splodge wrote: »

I'm about to PM you in the hope I can help.

Let me know if you got the PM?

rich86

Do you really need an account with HSBC that badly?… surely if they've provided such poor customer service whilst opening your account things will only ever be worse if you need to contact them in the future. Why not get out while you can and go with a bank which actually values your custom?

I currently hold a HSBC student account and am not particularly impressed; their online banking isn't amazing, if I have a problem with late payments I get call after call from a foreign call centre harassing me, when I try need to speak to someone over the phone I get through to some foreign call centre where the staff are usually misinformed and are unable to satisfactorily answer my question and my in branch experiences haven't been much better.

never-in-doubt

flossy_splodge wrote: »

I'm about to PM you in the hope I can help.

If you can help would you be able to share for everyone? Whilst PM's are great, the content could help others (if not account specific of course).... :beer:

I was going to ask what the chances are of getting a student account with bad credit, my mates kid is starting uni soon (mature student aged 23) and was in debt 2 years ago. I can help with that side of the debt, but have no idea who will give an account with so many defaults registered..... overdraft would be nice but not a necessity....

I bank with HSBC myself and rate them very very highly (90% for best bank in my opinion), but wonder how harsh they are to credit scoring student accounts...

PARIS_5000

rich86 wrote: »

Do you really need an account with HSBC that badly?… surely if they've provided such poor customer service whilst opening your account things will only ever be worse if you need to contact them in the future. Why not get out while you can and go with a bank which actually values your custom?

I currently hold a HSBC student account and am not particularly impressed; their online banking isn't amazing, if I have a problem with late payments I get call after call from a foreign call centre harassing me, when I try need to speak to someone over the phone I get through to some foreign call centre where the staff are usually misinformed and are unable to satisfactorily answer my question and my in branch experiences haven't been much better.

I have a student account with HSBC and have no problems with them. HSBC only call you if your account is not managed very well.
The is a 0800 number that I call for customer service that is on the website which is UK based and they are very helpful. I think that Internet site is very good and easy to use.