HSBC scraps free overdrafts for this year's graduates

Blacksheep1979

Yant1 wrote: »

Alliance and Leicester give ANYONE a MATCHING INTEREST FREE OVERDRAFT to those that switch to their PREMIER DIRECT account :rolleyes:

isn;t that for one year only? And guessing by the name - PREMIER, you have to pay for it? If you have to pay you may as well stick with HSBC.

melancholly

Blacksheep1979 wrote: »

isn;t that for one year only? And guessing by the name - PREMIER, you have to pay for it? If you have to pay you may as well stick with HSBC.

i got one a while back when they offered £100 to anyone who swapped - you don't pay for the account though. if you look on the referers board there should be a whole list of existing customers who will happily refer you and then you (and they) get £50 each. (must go add myself to that list!!)

[Deleted User]

Blacksheep1979 wrote: »

isn;t that for one year only? And guessing by the name - PREMIER, you have to pay for it? If you have to pay you may as well stick with HSBC.

Hint big f*kin article on which current accounts are best on the MSE website, have you been brought up by monkeys in some foreign land and just trying to educate yourself later on in life? Get off your bum and do some research! Even tells you which graduate accounts you can switch too on another article.

Pay? of course you don't have to pay, why would anyone want to pay for a bank account? :rotfl: well maybe people that have had a frontal lobotomy would pay but i guess if thats the case then they dont deserve their money.

Stubert

Blacksheep1979 wrote: »

You probably won't need all the money - just go to another bank, explain the situation that you're not happy with how they treat graduates and that you want to switch banks. You'll more than likely be given an overdraft straight off and you can either transfer the money to HSBC or bang it in a high interest account till you graduate.

I think I will do this. RBS is looking like the best bet as they have the biggest overdraft - not that I'll need it but useful to have that security (so to speak). I tried looking at A+L but their website/their prem21 website was really confusing and not very clear what their student account was (other than the good interest rates). Although looks like I'll have to wait till I'm back in Manchester as the Oxford branch strangely doesn't do Saturday opening.

melancholly

Yant1 wrote: »

Hint big f*kin article on which current accounts are best on the MSE website, have you been brought up by monkeys in some foreign land and just trying to educate yourself later on in life? Get off your bum and do some research! Even tells you which graduate accounts you can switch too on another article.

Pay? of course you don't have to pay, why would anyone want to pay for a bank account? :rotfl: well maybe people that have had a frontal lobotomy would pay but i guess if thats the case then they dont deserve their money.

there is a general rule on MSE of 'be nice to other moneysavers'. there's just no need for comments made in this tone (especailly since i'd already answered the question).

maniac886

Yant1 wrote: »

Hint big f*kin article on which current accounts are best on the MSE website, have you been brought up by monkeys in some foreign land and just trying to educate yourself later on in life? Get off your bum and do some research! Even tells you which graduate accounts you can switch too on another article.

Pay? of course you don't have to pay, why would anyone want to pay for a bank account? :rotfl: well maybe people that have had a frontal lobotomy would pay but i guess if thats the case then they dont deserve their money.

Forum Etiquette Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

Blacksheep1979

Yant1 wrote: »

Hint big f*kin article on which current accounts are best on the MSE website, have you been brought up by monkeys in some foreign land and just trying to educate yourself later on in life? Get off your bum and do some research! Even tells you which graduate accounts you can switch too on another article.

Pay? of course you don't have to pay, why would anyone want to pay for a bank account? :rotfl: well maybe people that have had a frontal lobotomy would pay but i guess if thats the case then they dont deserve their money.

are you a complete 'tard, there are plenty of accounts out there that you pay for? Yes I could have scoured through articles about it - if I'd known that they were going to be listed in those articles however my first port of call would just of been to the banks website. I just thought I'd save myself a little time (as often fees are buried in small print) and ask as I thought I may get a civil answer.

Hope you never have to rely on the answers of others where 'getting off your bum and doing some research' would have provided it.

Oh look here are some threads where you could have got the answers with a little research, not as smart as you think you are, are you?

http://forums.moneysavingexpert.com/showthread.html?t=454195

http://forums.moneysavingexpert.com/showthread.html?t=409991

[Deleted User]

Post one was relating to the nature of the charge and NOT reclaiming the charge. The bank stated that the charge was for a failed standing order which in my book is not the same thing as a internet bank transfer which there software could have simply refused as the transaction was attempted on the same day as the the bank knew how much was in the account and not a DD. There is no MSE article or instruction on the lloyds usage guide or a google search partaining to the fact that lloyds clasp them as one and the same thing and implement their illegal charging regime.

The second posting is refering to claiming back from a insurance company a unlawful penalty charge another unlawful act to which their is no MSE article. To which I am grateful to the genius piece of research by olly300, which i probably wouldnt have found.

I apologise for offending you, I was not being serious. My over reaction was probably because my hatred of HSBC knows know bounds for all the 10% graduate loans they have had my friends over the barrel with ever since uni. I also hate RBS for being terribly uncompetitive across all of there products, but if you need 3 years to get out of your overdraft (or are just interested in stoozing it) and they do it, then go for it.

Blacksheep1979

Ok, no worries and sorry about my hasty response.