HSBC Advance Account Switching Cashback £175

lindylootoo

Daggo87 wrote: »

Would they consider first direct as a HSBC account

Not unless their t's & c's specifically state this!

lindylootoo

Thanks every one for your input to my original question. I find the negativity on here seriously irritating:

Candyapple: "Or did you fail the credit check and just assumed that was the reason why?" ..........wrong........and how disparaging is that!!!

ESKBanker: "Therefore my understanding is that the MSE reference to a £26K salary, while not explicitly stated in those terms by HSBC, is effectively the benchmark for obtaining one of these accounts" ..........wrong! Benchmarks don't count in t's & c's.

Gary Dexter: "This is true." ............ no! it's not!

Colsten: "HSBC don't like to give the Advance account to people who cannot convince them that they have an income from either a job or a pension of at least £1,750 a month net" ..........the t's & c's don't refer to an INCOME!

!!!: "It sounds like they’re trying to fob you off. ....YES! (finally!)

But at the same time, to be fair, if you’re not earning £26k then you’re not meeting the funding requirement" .........WRONG! There can be implied terms, but this is too vague!

Zanderman: "Whatever reason they gave is actually irrelevant - they don't want to offer you the account. They have no obligation to tell you why. You don't have any grounds to challenge them.".......Totally and dangerously wrong! Yes - you have every right to challenge them - and you should!

Emily Joy: "This would be a waste of time. The bank doesn't want you as a customer, this is the end of it"........I'd like to say "get a life".....but that's a bit negative!!!

It might good if the posts on here encouraged rather than disparaged and discouraged!

My account will be opened by the end of the week as I meet ALL the t's & c's including the ability to transfer £1750 into the account each month! Note: the current t's & c's do NOT require £26K annual income! Seems I also qualify for a little 'thank you' for pointing out the shortcomings in the small print..........which they are currently reviewing!
Amazing what studying law can do, isn't it?
:rotfl:

Perhaps you'd all like to consider the OP as having a little more intelligence in future as many replies on here have been extremely detrimental and conceited!

eskbanker

lindylootoo wrote: »

ESKBanker: "Therefore my understanding is that the MSE reference to a £26K salary, while not explicitly stated in those terms by HSBC, is effectively the benchmark for obtaining one of these accounts" ..........wrong! Benchmarks don't count in t's & c's.

Your selective quoting of an early comment is taken out of context and is unrepresentative of the more extensive dialogue before and after, in which I made it clear that a £26K salary isn't a fixed definitive limit (hence 'effectively'), but don't let that get in the way of your rather petulant diatribe.

lindylootoo wrote: »

My account will be opened by the end of the week as I meet ALL the t's & c's including the ability to transfer £1750 into the account each month! Note: the current t's & c's do NOT require £26K annual income! Seems I also qualify for a little 'thank you' for pointing out the shortcomings in the small print..........which they are currently reviewing!
Amazing what studying law can do, isn't it?
:rotfl:

Perhaps you'd all like to consider the OP as having a little more intelligence in future as many replies on here have been extremely detrimental and conceited!

Perhaps you'd like to consider that the main complaint in your OP was therefore unfounded and inaccurate?

lindylootoo wrote: »

Please Martin Lewis change your email..........the requirement is the INCOME.....NOT the ability to pay in £1750 per month!

I'm sure you'll be happy to offer a fulsome apology....

colsten

Never ceases to amaze me how the extensive collective knowledge of the regular forumites is being poo-pooed by some. Why not just quietly add to the collective knowledge and become a respected contributor.

Emily_Joy

lindylootoo wrote: »

I'd like to say "get a life"....

Fancy to recommend a provider?

johnofgwent

Hi

My first post.

I have just taken up this offer and I really hope I don't regret it. I spent an hour and a half yesterday just setting up the online banking app. I am no stranger to such systems, and I am an IT Professional who has worked as a Barclays Database Admin but my oh my (i'm keeping it polite) what a pain this was.

In order to register the app I had to invent input no less than six username / password combinations and retrieve not one, but TWO "second stage authentication" validation numbers, one by email, the second by phone, and then invent a FURTHER username/password combination and THEN the (now I really do want to start swearing) application told me it was "having trouble maintaining a stable internet connection" and fell over with some wierd error message, which necessitated a twenty three minute long (fortunately local rate) phone call to the bank's telephone helpline, at 21:20 hours when the thing closes at 22:00, during which I had to de-install the app on the phone, log in to the WEBSITE on a separate computer, go through half the registration process AGAIN on the WEBSITE and then REINSTALL the app on the phone and go through the OTHER half of the registration process again, this time with the agent interactively generating one of those validation keys.

For the love of Odin, WHY !!!!!!!!!!!

And I speak as an IT Professional versed in online banking who was on the team that set up Barclays' online loan application system, so "security" is not going to cut it as an answer.

Anyway, the system is set up now, and the good news is £5 was transferred from my other bank account (that I am switching from) to the new one in three seconds flat, but last month I opened a "Starling Bank" account to get the ability to pay for stuff in dollars without being stung for non sterling admin fees, but THAT took ten minutes tops, needed NO intervention and worked like a dream.

Methinks HSBC have a way to go to learn how to offer their services efficiently

girllikeme1

I didn't meet the salary requirement but I do pay in the required sum.