HSBC put me onto Debt Collections when I'm not in debt?!

Wywth

krisdorey wrote: »

You need ~250,000 in assets for HSBC Premiere iirc...

HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank Account and either:

• have savings or investments of at least £50,000 with HSBC in the UK; or
• have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK:

- a mortgage;
- an investment, life insurance or protection product;
Or, qualify for HSBC Premier in another country.

http://www.hsbc.co.uk/1/2/current-accounts/hsbc-premier/open-bank-account#eligibility

bod1467

I wondered what the former Arsenal goalkeeper and BBC sports presenter was doing now.

Caladan

bobwilson wrote: »

Key bit: "non retail bank" - you ommitted that part before

What is this ''wealth management bank'' sector you speak of. A bank's a bank! You get small ones and big ones. The bigger usually the more stable

Er...I wont have a go at you for not knowing about the different types of bank and wealth management companies as unless you need more specialised services there's no reason for you to understand them, but different 'banks' operate in VERY different ways.

bobwilson wrote: »

a-ha but it doesn't say this clearly when you tick the check box, so in that case it bloody well should.

So you basically want a credit card with no limit? Put your house up for security, prove your income and we'll talk, otherwise live like the rest of us.

bobwilson wrote: »

is HSBC premier the same thing?

I find barclay's customer service atrocious.

Sounds like you find a lot of peoples service atrocious, if you were one of my clients I'd say good riddance.

As to your original post, you were put through to an internal department that deals with minor over-limit issues or missed payments. YOU failed to keep within your limit, YOU failed to credit the account with enough funds to keep within your limit and yet HSBC still agreed to waive the £12 over-limit fee (which they can quite rightfully charge) as a gesture of goodwill, and you call that cheek?

As to having to keep an eye on your account "like a hawk," well, no, you just need to make sure you don't spend more than you're allowed too, like most people.

And of course it could happen again, if you haven't learned your lesson this time to make the same mistake in future, we're not here to hold your hand.

As to how direct debit payments work, it's not even in the bleeding small print, it's in the freakin' key facts when you take out a credit card, if you can't even be bothered to read that...

Anyway, rant over. Hope I don't encounter you at work.