We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

HSBC have put me through hell

Options
13

Comments

  • Dave101t
    Dave101t Posts: 4,157 Forumite
    durr...me no good wiv money, make new username on mse to waste peoples time, dat is fun.

    robbed? ah this site is amusing.
    Target Savings by end 2009: 20,000
    current savings: 20,500 (target hit yippee!)
    Debts: 8000 (student loan so doesnt count)

    new target savings by Feb 2010: 30,000
  • HSBC_HELL
    HSBC_HELL Posts: 13 Forumite
    thankfully got massive HELP from another forum on how to proceed.

    thank you.

    no more help require here lol.
  • dunstonh
    dunstonh Posts: 119,632 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    consequence of events.

    i will type in baby language so you get it

    i have money in accout

    i write cheque

    bank tries to collect DD that i cancelled

    not enough funds for it

    unpaid fee applied

    cheque goes to clear

    now not enough funds as unpaid fees kick in

    more fees for bounced cheque

    viscous circle

    get it yet?

    You mean sequence of events. Not consequence.

    So, in month 1, this happens. Why did you not complain that the bank hadnt cancelled the direct debit?

    Then going forward over the next 4-5 years, how is it that they still hadnt managed to cancel them?

    You get an unpaid fee applied and it costs you around £25. Painful but recoverable. Yet you said you were paying £200pm for these bounced SOs and DDs. So, why didnt you stop using the bank and cancel the payments?

    I think you are asking a lot if you want us to believe that HSBC couldnt cancel standing orders and direct debits despite multiple requests over 4-5 years.

    It looks like you are in denial.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • HSBC_HELL
    HSBC_HELL Posts: 13 Forumite
    An ifa who cannot read?

    who would have believed it haha
  • HSBC_HELL
    HSBC_HELL Posts: 13 Forumite
    Dave101t wrote: »
    durr...me no good wiv money, make new username on mse to waste peoples time, dat is fun.

    robbed? ah this site is amusing.

    i suppose saving money whilst paying off debts at higher rates is clever?

    nice one. :rotfl:
  • dunstonh
    dunstonh Posts: 119,632 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    HSBC_HELL wrote: »
    An ifa who cannot read?

    who would have believed it haha

    At least I know how to budget.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • talana
    talana Posts: 1,077 Forumite
    HSBC_HELL wrote: »
    viscous circle
    get it yet?

    And I repeat for the xth time, it's only becomes a vicious circle if you don't deal with it at the start. It should all have been easily solved at the time if you'd complained and stuck to your guns.
    If seems you didn't. Who's to blame for that?
    Anyhow, there's no point continuing this as we're going round in circles and not advancing anywhere.
    I'm outta here. ;)
  • HSBC_HELL
    HSBC_HELL Posts: 13 Forumite
    hahaha on the hook
  • roonaldo
    roonaldo Posts: 3,420 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    you spent beyond your means, take responsibilty
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    HSBC_HELL wrote: »
    ...please refrain from posting to me.

    Gladly. :)

    How does it go? Oh I remember

    Username>View public profile>User Lists>Add to ignore list>Yes

    Simples :cool:
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture