hsbc using dirty tricks!!!!

philD_2

I'm not sure they are - innocent until proven guilty applies . There are alot of time wasters on this site which may or may not include you.

And the point of your message was? How have you contributed to this thread? What advice have you offered (or are you capable of offering)?

But, as I say - I'm not planning on '!!!!ing in the wind' as far as HSBC are concerned.

philD_2

Hanky panky

I guess it's a case of 'each to their own' but what's your point? My reasons for the above comments were based on my perception that we have quite alot of 'B'anker's in this country - people are more aware of it now more than ever.

What I say stands - u sure u can say them same?

antrobus

Hanky_Panky wrote: »

Not necessarily - could have been in credit/within overdraft at the time and it was subsequent transactions that pushed her over, not these withdrawls - OP needs to check. ..

Well yes... but then I'm only taking the OP at their word; " the robbers managed to put it £200 over the overdraft limit"

Hanky_Panky wrote: »

.... To lose your card is unfortunate but to lose/have stolen the original card AND pin is simply careless and no way should the bank be responsible for this loss. ...

That might be your opinion, but the CCA 1974 says something quite different.

philD_2

antrobus

'That might be your opinion, but the CCA 1974 says something quite different' - great response, what the initiator of the thread was looking for!

Haven't the bANKS got the message yet?

philD_2

meer53 wrote: »

Think your circumstances are slightly different though !

You knew your card had been removed from your wallet and by whom. You didn't report it straight away and are not prepared at the moment to press charges against the "friend" who stole your cash.

Anyone reading your previous post can see straight away why HSBC won't refund you !

I believe that the refund policy for HSBC fraud cases is based on their 'credit score' of the account concerned - not on facts presented verbally or otherwise. Truth shall prevail I guess.

Hanky_Panky

philD - I have no idea what you are talking about.

antrobus wrote: »

Well yes... but then I'm only taking the OP at their word; " the robbers managed to put it £200 over the overdraft limit"

That might be your opinion, but the CCA 1974 says something quite different.

As stated we haven't got the facts yet - an ATM is often the one place that will not allow an account go into an unauthorised overdraft so I have my doubts.

playforth

The facts are arrived at white rose shopping center, went straight to food court, went to cash machine near smoothie place drew £10 from account covered pin best I could due to having a small child and pram with me, bought food ate! walked around the shopping center for around 30 minutes (didn't use my card in that time!) went to clarks shoe shop at that point I took my son out of the pram and he tried some shoes on, I then took my Phone from my bag and turned my back on the pram to take a Picture of my son in his new shoes, I then turned back within a matter of minutes to take my purse from my bag and it had gone! I then informed the shop staff who called the shopping centers onsite police officer who then took the details of what was in my bag ect, he then advised me to cancel my card which I did there in the white rose at the customer service, I was very upset about my bag being taken but at the time I wasn't worried about my card as nobody know my PIN, I was then informed on the call to hsbc that the thieves had withdrawn £350 from my account, I was in credit at the time but only have a small over draft of £150 so they had taken me over by quite a lot. I then spoke to someone in security who asked me questions about what had happened so I told the story, they then reimbursed me the money informing me that if I was found to be involved then I would have it taken back from me, On monday morning I had a phone call from another man in security at hsbc he asked me the same questions as I was asked friday he then told me at the end of the conversation that he would be taking the money back from my account as he didn't believe I would be followed and that I must of compromised my pin number by having it written down inside my bag or purse! I have had this account since I was 11 years old! I know I was followed and this wasn't just a opportunist as my sisters bag was next to mine and they left it, they were after mine!!!

To the people that said we spent normally out of the account over the weekend you are wrong as common sense would tell you that my card was stolen and a replacment card would take at least two working days to arrive and I couldn't use internet banking either as they had taken my secure key when they took my bag. One direct debit bill went out on the monday before they removed the money.

My partner posted on here for advice not for people to be snarky and make suggestions that there are some lies being said. If you having nothing helpful to say don't bother posting, this is a horrible situation to be in! and I lost a lot of precious things on friday not just money.

meer53

philD wrote: »

I believe that the refund policy for HSBC fraud cases is based on their 'credit score' of the account concerned - not on facts presented verbally or otherwise. Truth shall prevail I guess.

Why do you believe that ?

An internal credit score isn't taken into account when making decisions about fraud.

philD_2

meer53 wrote: »

Why do you believe that ?

An internal credit score isn't taken into account when making decisions about fraud.

I believe this to be true and will accuse HSBC of this policy - it will be for them to defend. A complaint will be made to the ombudsman regardless.

rb10

philD wrote: »

I believe this to be true and will accuse HSBC of this policy - it will be for them to defend. A complaint will be made to the ombudsman regardless.

Why do you believe that this is true?

I have never heard of a bank operating in this way.