HSBC error- and I just had a hissy fit

Loulou2010

tabskitten wrote: »

THANK YOU!! :T Someone who thinks that there should be some level of customer service in the banking industry.

So happens I have made such a fuss that they have credited my account with £30 to make up for all the hassle.
I also pointed out to the manager that had the customer service team handled it better I would not have bothered kicking off, if I had received an apology i would not have kicked off, and it was not the error but the way it was dealt with that had enraged me.

I also while i had him complained that i had requested a financial adviser contact me regarding investing funds and no one had over a week later!!
Result is I have someone coming to my house tonight so that I do not have the bother of trying to visit the store.......:rotfl:

:Tsometimes it does pay to stamp your feet and throw a hissy fit

Foggster

I accepted a long long time ago that banks have 1000s of customers and in this modern age they have technology that make us all just an account number. I wouldnt expect a personal apology off a bank just as I dont ring them and apologise for using my overdraft without telling them first. But I have to thank them for helping me get my first start up loan and buying my first house and boring stuff like that. I dont like banks but I really cant get excited about the fact they took back what was theirs, they made a mistake and I am sure there would be a rapid end to free banking if they had to ring up customers every time they made a mistake!

tabskitten

Foggster wrote: »

I accepted a long long time ago that banks have 1000s of customers and in this modern age they have technology that make us all just an account number. I wouldnt expect a personal apology off a bank just as I dont ring them and apologise for using my overdraft without telling them first. But I have to thank them for helping me get my first start up loan and buying my first house and boring stuff like that. I dont like banks but I really cant get excited about the fact they took back what was theirs, they made a mistake and I am sure there would be a rapid end to free banking if they had to ring up customers every time they made a mistake!

Like I said numerous times (have you read the thread?) it was not the mistake that turned me into the incredible hulk- but the way that it was dealt with.

Lokolo

tabskitten wrote: »

THANK YOU!! :T Someone who thinks that there should be some level of customer service in the banking industry.

So happens I have made such a fuss that they have credited my account with £30 to make up for all the hassle.
I also pointed out to the manager that had the customer service team handled it better I would not have bothered kicking off, if I had received an apology i would not have kicked off, and it was not the error but the way it was dealt with that had enraged me.

I also while i had him complained that i had requested a financial adviser contact me regarding investing funds and no one had over a week later!!
Result is I have someone coming to my house tonight so that I do not have the bother of trying to visit the store.......:rotfl:

You were trying to get money out of them, which is why I did not agree with you.

I completely respect the fact you want the banks to tell you beforehand and I agree with you.

What I don't agree with is the fact you are trying to get money out of them for it. We are fast becoming a compensation culture and I for one want to stay away from this. We get enough of the stupid "I fell off a ladder" adverts as it is.

tabskitten

Lokolo wrote: »

You were trying to get money out of them, which is why I did not agree with you.

I completely respect the fact you want the banks to tell you beforehand and I agree with you.

What I don't agree with is the fact you are trying to get money out of them for it. We are fast becoming a compensation culture and I for one want to stay away from this. We get enough of the stupid "I fell off a ladder" adverts as it is.

Well - being that they are a BANK I think that money is the correct form of compensation. AND as said, i was not after compensation at all, an apology and explaination would have done, it was lack of this that wound me up!

Lokolo

tabskitten wrote: »

Well - being that they are a BANK I think that money is the correct form of compensation. AND as said, i was not after compensation at all, an apology and explaination would have done, it was lack of this that wound me up!

Ah I felt your post came across as you trying to get money out of them, obviously you weren't trying to.

I don't think money should be any part of compensation unless it is money you have lost out on.

ERICS_MUM

tabskitten wrote: »

My problem is with the way that they handled it.

If i was a person living close to my overdraft that could well have caused me a big problem as I could well have spent it......some people really do not pay close attention and assume that what is in their account is theirs......so if i had spent it then they went and took it out 3 weeks later that may well put me in the red.

They were unapologetic and I think handled it very badly. They should expect to make mistakes every now and then, all businesses do- but when you do you hold yourself accountable not the customer.

It did not cause me a problem- but it could well have.

Well to be blunt, they should pay very close attention - it's their money for goodness sake. How can anyone possibly manage their life if they don't know how much money they have? This forum is littered with sad stories due to people failing to manage their finances, many with disastrous and life-changing results.

You are freelance, so I would expect you to keep a particularly close check on your accounts as you solely are responsible for your obligations such as tax, NI, etc.

You surely can't really believe that anyone should profit from someone else's mistake ? If HMRC overcharged you on your income tax would you not try to claim it back ?

Linda :T

tabskitten

ERICS_MUM wrote: »

Well to be blunt, they should pay very close attention - it's their money for goodness sake. How can anyone possibly manage their life if they don't know how much money they have? This forum is littered with sad stories due to people failing to manage their finances, many with disastrous and life-changing results.

You are freelance, so I would expect you to keep a particularly close check on your accounts as you solely are responsible for your obligations such as tax, NI, etc.

You surely can't really believe that anyone should profit from someone else's mistake ? If HMRC overcharged you on your income tax would you not try to claim it back ?

Linda :T

Shall i say it again........

I was looking for an explaination and apology not to profit.

Imagine if i had spent that money- if i was close to my overdraft, i would now be in debt.

I do not think this is right- so was after an explaination- as the OP states all i got in the post was a letter stating they had removed money from my account- not why.

And as custardy pointed out they should have informed me of the problem and asked me when would be reasonable when to remove the money- just in case it would cause me a problem- i.e after next payday ........

Foggster

tabskitten wrote: »

Like I said numerous times (have you read the thread?) it was not the mistake that turned me into the incredible hulk- but the way that it was dealt with.

You are confusing me. I did read your thread and have continued to read your thread and see that you are still wanting an apology which is what my post referred to. Maybe they did apologise but you werent listening just like you arent reading and understanding what people are saying here.:rotfl:

tabskitten

Foggster wrote: »

You are confusing me. I did read your thread and have continued to read your thread and see that you are still wanting an apology which is what my post referred to. Maybe they did apologise but you werent listening just like you arent reading and understanding what people are saying here.:rotfl:

As i have said- they have apologized, and explained but I said to the manager that none of it would have escalated as far as it did had they done that in the first place.

My point being that a bit of customer service in the first place would have saved them a lot of time and aggravation