HSBC are closing my account - HELP!!

thatsean

Dizzie77 wrote: »

I got confirmation of my new account with Lloyds today - and they are even going to transfer all my DD's over to it!
yey!!!

Great news!

Dizzie77

I've got a classic - which means that I get a debit card too (have survived for over a year without one with HSBC).
I have requested NO overdraft though - so I still need to keep to my budget - but when the account is set up, I will look into changing my other DD's to an earlier date.

PARIS_5000

Dizzie77 wrote: »

I've got a classic - which means that I get a debit card too (have survived for over a year without one with HSBC).
I have requested NO overdraft though - so I still need to keep to my budget - but when the account is set up, I will look into changing my other DD's to an earlier date.

You get a visa debit with LLoyds TSB basic account as well.

wsmorrisuk

I have a Step account with the Natwest, they really don't care. The Step account will charge you the sum of £38.00 for a returned direct debit. I cancelled a DD on the Friday morning, and was assured that this would be recalled and it would not show on my account. Monday morning I looked and I was £192.00 overdrawn. I called Natwest actionline at 08.55 on Monday morning, and an advisor who was extremely rude and arrogant, told me that I should give at least Three clear working days to cancel any DD's and furthermore, the £38.00 charge would stand. The Nat West are moneygrabbers who exploit people on low incomes,and lie through their teeth. Be very careful if you bank with Natwest, they have stung me every month for charges when they have stated to me that I will not be charged.

ruthha_2

Wsmorrisk


I would write to them and inform them of all the facts . You may find a pre letter on here:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html


Hpe this helps you

bingy_burge

peachyprice wrote: »

Sorry to disagree, but that's not so, both my Co-op cashminder basic accounts are reported on Exerian and Equifax.

Yeh so do I rbs key acc showed on my credit profile b4 I got interest paying.

Also my nationwide cash card acc shows and I have never used it.

bingy_burge

wsmorrisuk wrote: »

I have a Step account with the Natwest, they really don't care. The Step account will charge you the sum of £38.00 for a returned direct debit. I cancelled a DD on the Friday morning, and was assured that this would be recalled and it would not show on my account. Monday morning I looked and I was £192.00 overdrawn. I called Natwest actionline at 08.55 on Monday morning, and an advisor who was extremely rude and arrogant, told me that I should give at least Three clear working days to cancel any DD's and furthermore, the £38.00 charge would stand. The Nat West are moneygrabbers who exploit people on low incomes,and lie through their teeth. Be very careful if you bank with Natwest, they have stung me every month for charges when they have stated to me that I will not be charged.

They raped me on my current plus acc and let me get 2.5k overdrawn and then demmanded it back!!!

They are only good if you have lots of money and are very careful. Having said that I have learnt my lesson and I very careful how I bank now and never get charged for anything with rbs or lloyds.