HSBC Student Account Issues.

PARIS_5000

never-in-doubt wrote: »

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...

I had defaults and HSBC said that I had to wait until the defaults dropped of my credit file before they would gave me a student account. I waited until they dropped off and apply for my student account and was accepted with a overdraft and credit card.

Darren08

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.

You're exactly right, they can't be trusted now, not ever. I did say to them if they couldn't give me what I wanted i.e. removal of the unauthorized checks and a proper overdraft application then they could get stuffed.

I got a letter in the post this morning from the Area Manager. After pointing out that her previous letter was too vague and after telling her why and reiterating what I wanted again over the phone, she sent me this new letter which promises:

- She will have every single credit check done by HSBC removed.
- As I was never assessed for an account as a student at the start (even though it was upgraded) apparently no services are or will be available to me even with stand alone assessments (sounds like rubbish) so I will not be getting an overdraft now or when I commence the course.
- She has agreed to close both the accounts as I requested if they couldn't provide me answers or a service.
- A cheque for £25 gogw + £6.99 for having to sign up to see my credit report to find the true extent of their errors.

At least now I finally have closure and know that the letter is proof something will be done. With the checks removed it will be as though this mess never happened.

I will never, ever, ever, ever use HSBC again and will actively discourage anyone who mentions their name. First impressions are supposed to count. After my initial consultation were I was basically filled full of lies and nonsense, I was then subjected to nothing but incompetance, delays, lack of knowledge and assistance and a total lack of respect. Of all companies I've ever dealt with these guys win the award for worst in every way.

Thanks for the PM Flossy, thankfully I now have the closure I need . Thanks everyone .

EDIT: I'd just like to add Paris, everyones experiences are different in my experience I've never been put through to a UK call centre once when calling customer services, other than when calling the complaints team directly on their number. Looking at their recent media highlights regarding loss of thousands of customers details, plus this and other reviews, I am happy to have now escaped...although...despite having a resolution in writing, I somehow feel, in my gut, that more nasty suprises lay in wait bearing the HSBC signature.

never-in-doubt

Darren08 wrote: »

I will never, ever, ever, ever use HSBC again and will actively discourage anyone who mentions their name. First impressions are supposed to count. After my initial consultation were I was basically filled full of lies and nonsense, I was then subjected to nothing but incompetance, delays, lack of knowledge and assistance and a total lack of respect. Of all companies I've ever dealt with these guys win the award for worst in every way.

Whilst we all have an opinion, yours is purely based around anger at a specific incident that did not go in your favour - as a result that means that HSBC are rubbish does it?

My perspective says otherwise - again, opinions vary, however they 'appear' to bend over backwards for me, I always get UK staff and to be honest I think they blow the other banks out the water and that is from someone who has used each and every bank (HBOS/RBS/YB-CB/HSBC) - the only exception is Abbey - no thanks!

All I can say is good luck - you've probably jumped ship before looking into the 'alternative' options available to you, Natwest/RBS are dire - search the threads for proof of this. Abbey, well I don't even need to go any further than mention their name. HBOS - ermmm, good luck!

I'm just saying that for the purpose you required the account, I think you'll find HSBC would have been/could have been a very good bank for you.

That is just my opinion but see how it is the opposite of yours?

Out of interest, Abbey just sent me £75 as GOGW for not processing a CC application, and I don't hate them for that reason, I hated them beforehand but still wanted their Zero card - but i'd have been asking for more than £25 from HSBC..... :beer:

PARIS_5000

Darren08 wrote: »

You're exactly right, they can't be trusted now, not ever. I did say to them if they couldn't give me what I wanted i.e. removal of the unauthorized checks and a proper overdraft application then they could get stuffed.

I got a letter in the post this morning from the Area Manager. After pointing out that her previous letter was too vague and after telling her why and reiterating what I wanted again over the phone, she sent me this new letter which promises:

- She will have every single credit check done by HSBC removed.
- As I was never assessed for an account as a student at the start (even though it was upgraded) apparently no services are or will be available to me even with stand alone assessments (sounds like rubbish) so I will not be getting an overdraft now or when I commence the course.
- She has agreed to close both the accounts as I requested if they couldn't provide me answers or a service.
- A cheque for £25 gogw + £6.99 for having to sign up to see my credit report to find the true extent of their errors.

At least now I finally have closure and know that the letter is proof something will be done. With the checks removed it will be as though this mess never happened.

I will never, ever, ever, ever use HSBC again and will actively discourage anyone who mentions their name. First impressions are supposed to count. After my initial consultation were I was basically filled full of lies and nonsense, I was then subjected to nothing but incompetance, delays, lack of knowledge and assistance and a total lack of respect. Of all companies I've ever dealt with these guys win the award for worst in every way.

Thanks for the PM Flossy, thankfully I now have the closure I need . Thanks everyone .

EDIT: I'd just like to add Paris, everyones experiences are different in my experience I've never been put through to a UK call centre once when calling customer services, other than when calling the complaints team directly on their number. Looking at their recent media highlights regarding loss of thousands of customers details, plus this and other reviews, I am happy to have now escaped...although...despite having a resolution in writing, I somehow feel, in my gut, that more nasty suprises lay in wait bearing the HSBC signature.

I was just trying to help you and the 0800 number is a UK call centre. I have been with HSBC for four years with no problems so I do know what I am talking about.

Good luck with your new bank.

never-in-doubt

PARIS_5000 wrote: »

I was just trying to help you and the 0800 number is a UK call centre. I have been with HSBC for four years with no problems so I do know what I am talking about.

Good luck with your new bank.

He'll need it

Darren08

PARIS_5000 wrote: »

I was just trying to help you and the 0800 number is a UK call centre. I have been with HSBC for four years with no problems so I do know what I am talking about.

Good luck with your new bank.

I know you were and I said thanks, I'm just saying, just because you have had a great experience doesn't mean the other millions have as well.

Darren08

never-in-doubt wrote: »

Whilst we all have an opinion, yours is purely based around anger at a specific incident that did not go in your favour - as a result that means that HSBC are rubbish does it?

My perspective says otherwise - again, opinions vary, however they 'appear' to bend over backwards for me, I always get UK staff and to be honest I think they blow the other banks out the water and that is from someone who has used each and every bank (HBOS/RBS/YB-CB/HSBC) - the only exception is Abbey - no thanks!

All I can say is good luck - you've probably jumped ship before looking into the 'alternative' options available to you, Natwest/RBS are dire - search the threads for proof of this. Abbey, well I don't even need to go any further than mention their name. HBOS - ermmm, good luck!

I'm just saying that for the purpose you required the account, I think you'll find HSBC would have been/could have been a very good bank for you.

That is just my opinion but see how it is the opposite of yours?

Out of interest, Abbey just sent me £75 as GOGW for not processing a CC application, and I don't hate them for that reason, I hated them beforehand but still wanted their Zero card - but i'd have been asking for more than £25 from HSBC..... :beer:

How can you say any of this about my personal opinions after reading this thread? How can you honestly think I've made a mistake after speaking to 5 different departments about the numerous (not singular) issues I've had and got the run around for 2 months because of?

How have they at all been even acceptable in the last two months in this case?

How would/could they have been good when they've not given me what I needed and was told I could have and have no intention of giving me these?

These forums are supposed to be consumer v businesses not consumers having a go at other consumers for having a VERY bad experience with company and asking for help and then having their fan clubs decide to start bigging up their banks and trying to belittle anothers experience.