Bank blocked access to my statements

Sonia_Chambers

Good morning all, I'm not sure where to put this question so apologies if I've picked the wrong forum.

My problem is this: after more than 20 years with HSBC they passed my account to their debt collectors. I owe something like £1100. I sat down face to face with HSBC, explained how I'd arrived at my current situation and how I planned to rectify it but they sold me out anyway so I'm happy to conduct my business elsewhere in future. I have an account with Lloyds which I've been using for some time. What does bother me though is that I can no longer log onto my HSBC account. It refuses to recognise the account number or even me. Can they do this? It means I've no access to my past statements and/or specific transaction details. Surely this cant be legal? Its very inconvenient and could be catastrophic in the future.

Any advice/suggestions/similar experiences out there? Tx Sonia

jambosans

Sonia_Chambers wrote: »

they sold me out anyway so I'm happy to conduct my business elsewhere in future. I have an account with Lloyds which I've been using for some time.

They wanted their money back. Banks don't have moral compasses or a sympathetic ear when it comes to arrears unless they have a regulatory/ legal requirement to listen (e.g. financial hardship). Lloyds TSB (or any other bank for that matter) would have sold you out just as quick.

Sonia_Chambers wrote: »

What does bother me though is that I can no longer log onto my HSBC account.

Surely your account was closed when the arrears were sold on to a debt collectors? Downgrading or closure is often the outcome of serious arrears.

Sonia_Chambers wrote: »

It refuses to recognise the account number or even me. Can they do this?

Aside from repaying the debt, you no longer do business with them, why would they maintain your access to an account which has been closed? (something I've assumed from my reply above)

Sonia_Chambers wrote: »

It means I've no access to my past statements and/or specific transaction details. Surely this cant be legal? Its very inconvenient and could be catastrophic in the future.

You're going to have to request statements the old fashioned way i.e. in paper form. HSBC should have a record of your statements for at least the last 6 years, I believe beyond this point they have no requirement to keep said information (that's really your responsibility). I believe a Subject Access Request* should do the trick for requesting the statements. I would write to your ex-holding branch or their head office/ customer relations requesting copy statements.

*I'm not too clued up on the finer details of DPA, but someone will be along to clarify.

Sonia_Chambers

jambosans wrote: »

They wanted their money back. Banks don't have moral compasses or a sympathetic ear when it comes to arrears unless they have a regulatory/ legal requirement to listen (e.g. financial hardship). Lloyds TSB (or any other bank for that matter) would have sold you out just as quick.
I have no doubt that any bank would have. I was merely giving out what I thought were pertinent facts.

Surely your account was closed when the arrears were sold on to a debt collectors? Downgrading or closure is often the outcome of serious arrears.
Was my account closed? I have had no contact from them at all since meeting with them.

Aside from repaying the debt, you no longer do business with them, why would they maintain your access to an account which has been closed? (something I've assumed from my reply above)
See your bracketted assumption

You're going to have to request statements the old fashioned way i.e. in paper form. HSBC should have a record of your statements for at least the last 6 years, I believe beyond this point they have no requirement to keep said information (that's really your responsibility).

Thank you for the trouble you took in trying to help me, I'm sorry if I come across as ungrateful because I appreciate your efforts. But since I have never been informed that they had closed my account I dont really feel your points are valid. Nevertheless I suspect you are right and that I will, probably, end up cap in hand begging for the past 5 years' statements in paper form! (One of the reasons I bank online is to limit unnecessary use of paper)
Save the rain forests? What rain forests??

samjef11_2

LLoyds tsb did that to me when i run debts of more than £1000 in my under 19 account in the end they closed my online access took away my debit card and then closed my account but because was under 18 at the time they dully write of my debts because i got a advocate involved and because the bank made the mistakes by telling me if you make small payment using your debit card when you are overdrawn the bank allowes it to go through. But i have learned from my mistakes by not doing that again.