Major bank !!!! up

reclusive46

Rileyboo wrote: »

No it's hsbc

Well that doesn't surprise me. Of all the banks HSBC seems to be the least helpful and most useless of them all.

innovate

reclusive46 wrote: »

Of all the banks HSBC seems to be the least helpful and most useless of them all.

These sorts of comments are usually made about any bank when people are in debt and try to swing some deal that goes beyond the agreed T&Cs.

Sommer43

You opened a joint business account and you were both issued a debit card in your individual names?

Your business partner used the ATM in the branch and your personal accounts came up on the screen? Have I got this right so far?

If that's the case, then yes, it is a major bank blunder. It's a major breach.

Secondly, your business partner is a person you trust, presumably? Therefore, you have no concerns that she has seen your accounts? She clearly notified you of this blunder. I have a business partner and if this were to happen, then I wouldn't be so unhappy were he able to see what I have personally, I trust him and he trusts me. I often see he has moved money around in our business account and then him put it back on various occasions. Just as he sees when he sees me doing it.

I'd go see your business manager, explain the situation calmly and see what they offer you. I don't see it as being much in all honesty, but it's worth a smart email or letter to their business compliance department. I'd say much better it being your business partner than another person who may have used the card for nefarious purposes. If you're hacked off with your business partner knowing your personal finances, then perhaps you're in business with the wrong partner?

Anthorn

No damages = no compensation. Now if it had been Santander they might have given you 50 quid as it was their fault that you were subjected to inconvenience. But as it's HSBC ...

Sommer43

I agree Anthorn, I certainly don't see any compensation coming for this blunder. At best, an apology.

reclusive46

innovate wrote: »

These sorts of comments are usually made about any bank when people are in debt and try to swing some deal that goes beyond the agreed T&Cs.

lol in the past 10 years I've only had two products with them and on both products I had a problem.



With HSBC USA, one Credit Card I had with them constantly got blocked as apparently the transaction was suspicious, it didn't matter than I went twice there twice a week every week. Sometimes I'd call up and get the card unblocked and try and use it and it would get blocked again. (Oh and the magstripe was crap, kept having to get a replacement as it wouldn't read. They said the card was in a bad enviroment, well my Amex, BOA Visa Check card and Citibank Amex seemed to 'survive" my wallet). This was a business expense card so had to use it.

With HSBC UK I had a savings account, I closed the account and apparently the three cheques they sent me (The closing balance) got lost. Had to go to branch in the end.

Upon a both complaints I didn't even get a proper apology.

I vowed I'd never again have anything to do with them.

YorkshireBoy

Anthorn wrote: »

No damages = no compensation. Now if it had been Santander they might have given you 50 quid as it was their fault that you were subjected to inconvenience.

I see from your signature you're with Yorkshire Bank?

Their standard 'offering' for DPA breaches was (is still?) £150 (as they told me when their policies/procedures failed them on my account some 4 years ago).

Whether the OP gets any more will depend on how much 'distress and inconvenience' he can demonstrate to the FOS he has suffered.

henm2

As others have said HSBC are at fault but the probable outcome will be that they will correct the fault and issue an apology only.
Only HSBC personal debit cards usually work in the Express banking machines (statement machines) at most of the branches and therefore the joint account that has been opened must be a personal bank account.
If the account is for business purposes HSBC should have opened you a partnership account (business account). HSBC business and personal accounts are not linked together. Only personal accounts would appear on a statement machine screen not business accounts.

[Deleted User]

Surely if it was a true "Business" account, it would be using a login for the Business side of HSBC.co.uk, which is completely seperate to the personal side?

One portion doesn't show the other, even to the same customer.