Closing FIRST DIRECT CURRENT ACCOUNT for switching incentive?

Archi_Bald

juanmanuelmarquez wrote: »

well my excuse is genuine

One piece of genuine advice: give them a sound reason, not an excuse, for wanting the £100.

jancollins

So they can refuse the £100 if they disagree that your reasons for being unhappy are not worthy. Seems a little unjust, if your happy for whatever reason and wish to leave, surely they 'still' have to pay the £100 leaving gift as per there offer.

In my case, I do not have a local HSBC either, and the post office in my small town is pretty useless to be honest. I can post cheques etc however I have found it of more inconvenience than I assumed it would be. Can they really reject my for 'knowing' this beforehand? I did 'know' beforehand what was entailed however I did not know how it would feel in reality (if that makes sense)

jimjames

juanmanuelmarquez wrote: »

I had no choice but to ring them up I managed to sort it out. Must have a spent a fortune on my phone bill as it was a 0845 number so I thought this would be an ideal excuse of leaving now as I don't think its the right bank for me.[/B]?

If the main reason for leaving is the cost of calling their 0845 number then the best thing would be to not use it but their geographic one instead which will come out of mobile minutes unlike 0845.

0113-234-5678

juanmanuelmarquez

Hominu wrote: »

Try it and let us know.

as a side question, which bank will you be switching to?

switching to hsbc

Archi_Bald

juanmanuelmarquez wrote: »

switching to hsbc

That's moving from one bank with bad products (apart from one or two) to another with even worse ones. All for the sake of perhaps getting £100, whilst giving up a free £250 overdraft and access to the best regular saver in the market. But each to their own.

juanmanuelmarquez

Archi_Bald wrote: »

That's moving from one bank with bad products (apart from one or two) to another with even worse ones. All for the sake of perhaps getting £100, whilst giving up a free £250 overdraft and access to the best regular saver in the market. But each to their own.

lol, well it is the same product really. hsbc and fd are the same only difference is fd don't do branches so they have plowed a lot of money into people so specialise in over the phone customer service but other than that they are pretty much useless! online is obsolete and utter rubbish, I still prefer Halifax for online banking.

Archi_Bald

juanmanuelmarquez wrote: »

....but other than that they are pretty much useless! online is obsolete and utter rubbish...

Well, it was you who said you will be switching to them.

juanmanuelmarquez

well atleast hsbc online works all the time when I use it. fd online banking doesn't work, it says error message. just goes to show that a bank that specialises in online and telephone banking cant even sort online banking out then what good use are they?

another reason for leaving...unreliable!

Archi_Bald

I am anything but an FD fan myself but I have been logging in literally daily for about 6 years and can't recall that the FD website has ever been down. Though I gather it has been down earlier this morning, at least for some people (it's working fine for me just now).

Any website can - - and will - - go down at times. Reason could be varying, and it isn't always the website owner who is the root cause.

I would think FD will just keel over laughing if you say you want to leave because their website hasn't been working.

Have you filed a formal complaint each time their website wasn't working for you?

juanmanuelmarquez

Archi_Bald wrote: »

I am anything but an FD fan myself but I have been logging in literally daily for about 6 years and can't recall that the FD website has ever been down. Though I gather it has been down earlier this morning, at least for some people (it's working fine for me just now).

Any website can - - and will - - go down at times. Reason could be varying, and it isn't always the website owner who is the root cause.

I would think FD will just keel over laughing if you say you want to leave because their website hasn't been working.

Have you filed a formal complaint each time their website wasn't working for you?

this is the second this has happened to me. yes its working now. no I haven't complained yet but I will do now that you mentioned it