HSBC closed my account and passed my overdraft onto a solicitor

takemetotheriver

I would be deeply grateful if anyone can help me.

I've been teaching in South Korea for the last year, before I left I told my bank I would be away and they said it was fine as long as I set up internet banking. Which I did. When I left it was a graduate account.

Then they contacted me saying my account is in the debt collections section. I was told I need to pay off 10% over three months. Which I did.

One payment was late, I told them transfers may vary as they are coming from Korea. They said it was fine.

I heard my account had problems so I called again. I sorted it out, I was told everything is fine just keep putting any amount of money in every 30days. This call cost me £56.

My employer called me today to tell me that my Korean bank had to call her to tell her my bank account in England is closed. I called HSBC and they've washed their hands of me and passed me onto the debt collectors.

I was told my account was closed due to an ''unwillingness to pay'' which I was completely unaware of.

I am sick with worry as I'm returning to the UK in the next week. I've never been in trouble like this before and I'm completely lost with a lot of the language on these forums.

I have emailed the customer service and chief executive. I desperately want my account reopened.

Please can anyone offer advice,

jonesMUFCforever

To be honest you have no chance of getting the account reopened with HSBC.
Your best bet would be you open a new account with a different bank.

Your branch manager is unlikely to have been in the loop when the bank decided to send your account to the debt collections - all someone has seen is an account overdrawn with only sundry credits now and again.

takemetotheriver

Hi, thanks for the reply. Can I ask why there is no chance? I was abroad the whole time and they said it was fine. I told them to contact me via e-mail or my Korean number and they didn't. I have lost money on the transfers that bounced and I'm incredibly stressed being abroad and having no English bank account. I return in less than one week. Is there really no chance?

CLAPTON

from what you say
-you left the country with a overdraft with HSBC ..how much was it?
-presumably you paid nothing in for some time
-they don't allow you to have an OD on an inactive a/c
-they asked you to clear the OD... ODs are recallable on demand
-you couldn't do that but agreed a plan to pay 10% over 3 months which you didn't keep to

HSBC are a rather picky bank and want their bank to be used as your primary bank and used regularly

It's possible, but very unlikely that they will re-open the account; best to open a new one elsewhere asap
and best to check your credit records to see if there are any adverse comments there

WellKnownSid

HSBC... the world's local bank. Except when you leave the country... :rotfl:

takemetotheriver

Thanks again for the replies,

You are so true, they have a branch in here in Korea that I'm not allowed to use!

I did leave the country but I informed them before hand and told them for how long, they said it was fine. They didn't ask me to clear the overdraft they just asked me to start putting money in regularly after I made the three payments, which I did keep to, they acknowledged it after I spoke to them. This is why I'm so furious! Can anyone offer insight how to check your credit? Will another bank even take me? I have no way of paying the money till I get home (not even sure then how I will do it) so as far as they are concerned I am still with the debt collections agency!

CLAPTON

there are three main credit agencies
experian
equifax and
call credit

you can get the statutory report for £2 (don't get a credit rating as it's meaningless and costs extra money)
they also do 1 month free tirals but make sure you cancel before the month's up

chuckley

HSBC deny things they've said and then claim ur a liar even when your produced proof. they closed my account when i was in a payment plan and refused payments. I'm thankful now as i dont want to bank with them if thats how they treat ppl.