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Have I been shafted?
Curly68_2
Posts: 1 Newbie
I have been recommended to post on here regarding my problem.
A couple of months ago, I went to get shopping for my son and I. Couldn't withdraw any cash and the receipt said to contact branch. Did that only to be told that they had put a stop on my account! No one said anything and left me with no money for a couple of days. The bank said as I went over my overdraft and was behind with my mortgage (agreed with them), that they were not going to be reopening my account and to get one elsewhere.
I opened a basic account with HSBC and they said that they could sort all my direct debits and standing orders from Natwest.
My account was actually looking quite healthy after a few sales, careful shopping etc. Until tonight.
Its my daughter's birthday Thursday and shopping night, so checked my account to find how much I can spend. I found £1700.14 gone! Rang HSBC and they said it had been transferred into my old Natwest account! Left me with nothing again. No money for food or presents. I have to wait until the morning before I can speak to anyone.
I asked why it was transferred without my permission. They said they had recieved a fax from Natwest saying that I owed them money, so HSBC sent them all that I had.
Surely, this is illegal or definitely wrong? It's my money. I have five DD's going out tomorrow and HSBC said that as I have a basic account, if the DD's go out and are returned then they will close my account with them!
I have had no communication from Natwest at all. Thats why I thought they were happy with the payments through child benefit and tax credits.
I open all my mail, good or bad. When they closed my account, they also closed my savings account with them and my ISA and took the money from them to pay off my overdraft (not that there was a lot in both of them).
It is all my fault say both the banks.
When I opened the HSBC account I got them to transfer the direct debits and standing orders over from Natwest. I had to sign a form to allow then the authority. Because I signed that, it also was asking to close the Natwest account. The one that was stopped. Natwest said that they couldn't close the account as I owed them money and to do so, they took the £1700.
Natwest say they can't do anything as the account is now closed. HSBC say they can't do anything as Natwest has the money and I have to go through them! HSBC has cancelled my direct debits as I have no funds in there to pay them.
A couple of months ago, I went to get shopping for my son and I. Couldn't withdraw any cash and the receipt said to contact branch. Did that only to be told that they had put a stop on my account! No one said anything and left me with no money for a couple of days. The bank said as I went over my overdraft and was behind with my mortgage (agreed with them), that they were not going to be reopening my account and to get one elsewhere.
I opened a basic account with HSBC and they said that they could sort all my direct debits and standing orders from Natwest.
My account was actually looking quite healthy after a few sales, careful shopping etc. Until tonight.
Its my daughter's birthday Thursday and shopping night, so checked my account to find how much I can spend. I found £1700.14 gone! Rang HSBC and they said it had been transferred into my old Natwest account! Left me with nothing again. No money for food or presents. I have to wait until the morning before I can speak to anyone.
I asked why it was transferred without my permission. They said they had recieved a fax from Natwest saying that I owed them money, so HSBC sent them all that I had.
Surely, this is illegal or definitely wrong? It's my money. I have five DD's going out tomorrow and HSBC said that as I have a basic account, if the DD's go out and are returned then they will close my account with them!
I have had no communication from Natwest at all. Thats why I thought they were happy with the payments through child benefit and tax credits.
I open all my mail, good or bad. When they closed my account, they also closed my savings account with them and my ISA and took the money from them to pay off my overdraft (not that there was a lot in both of them).
It is all my fault say both the banks.
When I opened the HSBC account I got them to transfer the direct debits and standing orders over from Natwest. I had to sign a form to allow then the authority. Because I signed that, it also was asking to close the Natwest account. The one that was stopped. Natwest said that they couldn't close the account as I owed them money and to do so, they took the £1700.
Natwest say they can't do anything as the account is now closed. HSBC say they can't do anything as Natwest has the money and I have to go through them! HSBC has cancelled my direct debits as I have no funds in there to pay them.
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