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HSBC - Requesting ID
leespot
Posts: 554 Forumite
Guys I've got a complaint lodged with HSBC and they've come back suggesting that my name or signature doesn't match their records and have asked for ID.
How can they ask me for ID if they don't think my name or signature are a match? I'm expecting the refund to be sizeable given that they were who I borrowed the most from way back when.
How can they ask me for ID if they don't think my name or signature are a match? I'm expecting the refund to be sizeable given that they were who I borrowed the most from way back when.
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Comments
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Guys I've got a complaint lodged with HSBC and they've come back suggesting that my name or signature doesn't match their records and have asked for ID.
How can they ask me for ID if they don't think my name or signature are a match? I'm expecting the refund to be sizeable given that they were who I borrowed the most from way back when.
Go to a branch with the letter and proof of ID like passport or driving license that has your signature on it.
Have they said they are upholding your complaint or not? If not, I wouldn't assume any refund yetSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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How can they ask me for ID if they don't think my name or signature are a match?
They can ask pretty easily. In fact they did ask. That tells you how easy it was for them.
Do you have a problem complying with their reasonable request?I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Would you prefer they paid any refund to someone else, who was claiming to be you?0
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Guys I've got a complaint lodged with HSBC and they've come back suggesting that my name or signature doesn't match their records and have asked for ID.
How can they ask me for ID if they don't think my name or signature are a match? I'm expecting the refund to be sizeable given that they were who I borrowed the most from way back when.
What's the problem with supplying ID? There's only one reason I can think of as to why you'd baulk at this...0 -
What's the problem with supplying ID? There's only one reason I can think of as to why you'd baulk at this...
You mean because he's concerned about letting a faceless organisation have uncontrolled copies of his valuable identification documents? An organisation which might then make further uncontrolled copies, allow access to the copies to hundreds of staff, lose them, have electronic copies of them hacked, and so on and so forth?0 -
What's the problem with supplying ID? There's only one reason I can think of as to why you'd baulk at this...
Who's baulking? I'm asking for advice on a request from HSBC - nothing more and nothing less.
HSBC have written to me and said the name and signature that I've given them doesn't match their records. They have then requested I take ID into the branch, no problem at all. My question is if they are saying my name doesn't match their records, and my ID will have the name on that I've already given to them, which funnily enough happens to be my real name, what exactly are they wanting it for? To confirm I'm the person they say they can't find on their system? In which case why not just write to me saying we can't find anyone of that name on our system?
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HSBC have written to me and said the name and signature that I've given them doesn't match their records.
It could be that the account number you gave is wrong. Or the signature or any combination name, account and signature.My question is if they are saying my name doesn't match their records, and my ID will have the name on that I've already given to them, which funnily enough happens to be my real name, what exactly are they wanting it for?
They can then check it is actually you before looking for accounts in your name rather than the an incorrect account number that may belong to someone else. Or have a similar name but different address.To confirm I'm the person they say they can't find on their system? In which case why not just write to me saying we can't find anyone of that name on our system?
Far most customer friendly to see if they can find you first rather than tell you no out-of-hand.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Thank you!0
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It's a standard letter and HSBC are known for it.
Sadly, even after they have been provided, they often say the ID docs can't be opened ie haven't been scanned into their system, so people have to go into branches again.
They then often send another letter out asking for signed acceptance again.
In short it often takes 3 months from acceptance of offer/FOS agreement, to receive payment from HSBC.
I think its sheer incompetence and backlogs rather than anything sinister however.Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.0 -
It's a standard letter and HSBC are known for it.
Sadly, even after they have been provided, they often say the ID docs can't be opened ie haven't been scanned into their system, so people have to go into branches again.
They then often send another letter out asking for signed acceptance again.
In short it often takes 3 months from acceptance of offer/FOS agreement, to receive payment from HSBC.
I think its sheer incompetence and backlogs rather than anything sinister however.
OP says he has a complaint lodged, not that they're going to be paid anything. Chances are it was taken in a maiden name or some typo or from an old address, all they need to do is provide proof of who they are and then HSBC can investigate the complaintSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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