HSBC advice required... feel like I’m speaking to a brick wall!

[Deleted User]

K80_Black wrote: »

I don't have any advice - I do have a warning about HSBC though.

I cancelled my HSBC card before moving house, it was fully paid off, all sorted. Or so I thought. About 18 months later, I was checking an old email address and noticed one from HSBC saying to call them. Turns out they didn't close the account, a direct debit had left it, and I was months in arrears. I managed to get them to drop the charges, begrudgingly paid the amount owed and finally asked to close the card.

Except - they still didn't! About a year later, I was applying for new credit, checked my history (now a bit more savvy than before!) and saw that the account was STILL open! I finally got it sorted around 6 months later - I had issues getting it sorted on the phone, not knowing details for an account I thought I closed 2.5 years ago, so had to write many many emails.


Lesson learnt from me - never using HSBC again!


Hope you get it sorted - though personally I'd take the hit and use someone else at this stage. They're absolutely rubbish.

You can't setup a Direct Debit on a credit card - you can setup a CPA - they are your responsibility to cancel - even if the account is closed the money will still be deducted.

matttye

Similar timeline for me. I rang them about a month after I'd applied for the card and two weeks after sending back the signed agreement. They told me to go into the branch for help.

I did that and got my card less than a week later.

In short: visit your local branch!