My Sister's Been Robbed By Hsbc!!!!!!!

jmc160

Hi all,

If anyone can help me with this, any advice at all, it'd be much appreciated.

My sister banks with HSBC and she's had some issues with bank charges etc. but hasn't put a claim in because of the test case.

I got a phone call from her this evening, she was at the shops, and she asked me to check her account online. I'm assuming she got paid recently as she was very shocked when she found out at the cash point that she was overdrawn. So I logged in with the details she gave me to investigate.

The statement shows that HSBC has taken every penny she had in her account - amounting to about £1350! She now has nothing for the month, so she can't pay her mortgage or any of her bills! It looks like they've transferred it to her credit card.

Is this kind of practice allowed?

Is there anything she can do to gbet her money back?

Thanks in advance

J

Scousebird_2

Has she had calls or letters from the Credit Card Department?? If it is a mistake then the bank would surely rectify it, but if they have been trying to get in touch and there has been no response then this may be why it's happened. I have had a similar amount on my HSBC Mastercard and they've never done it to me? I would def go and see someone as they will have a record of who's done what. She needs to ring up customer services-the number will be on her Mastercard statement. Or call customer services on 08457 404 404 and she needs to type in her mastercard number-the 16 digit one starting 5454.

jmc160

Hi Scousebird, thanks for the reply.

She says she's had no indication or prior notification of this happening. She actually owes more than that on the credit card, and I believe it was slightly over the limit when they did this, but if the idea was to reclaim the unauthorized amount, then they overdid it by (rough guess) £700.

I've not seen her terms and conditions or anything, but the fact they've taken literally everything she had and given no warning, that just doesn't sit right with me.

My concern is she's not going to be able to get it back, so her mortgage will either go unpaid or they'll take the money anyway, so the bank has only served to compound the problem.

Scousebird_2

They could of reviewed her limit or anything to be honest which is why they took what they did. I am sure that if she spoke to them they would support her. If she was over her card limit then I can see them taking money to put her under her limit-which is obviously in her best interests, but the excess I really don't know. Def get her to call them and just ask about it, or at least so she can get something back to pay the mortgage!

Good luch though and hope she gets it sorted!

DanDan123

I would suggest she was behind on her payments and they have done something known as the "right to off-set" meaning if she owes money on her credit card, or she hasnt been making payments then they have the right to off-set credit balances from her current account. I would suggest she opens a new account with a new bank.

jmc160

Thanks DanDan, she was recently made redundant from her second job so it's quite possible she's had some financial difficulties. That still doesn't change the fact that what they've done is an ugly tactic, especially taking more than they needed to.

I've also advised her to open a new account, which she'll be doing today hopefully.

Iamthesmartestmanalive

jmc160 wrote: »

Thanks DanDan, she was recently made redundant from her second job so it's quite possible she's had some financial difficulties. That still doesn't change the fact that what they've done is an ugly tactic, especially taking more than they needed to.

I've also advised her to open a new account, which she'll be doing today hopefully.

Well maybe she should have shown some financial prudence and solved the problems first instead of ignoring them til hsbc did it themselves

If she had called she may have been able to reduce payments etc

Instead she ignored it, my take is HSBC have every right when customers abuse facilities and ignore it

You shouldnt be accessing her internet banking anyway, thats another breach in itself

gatita

Iamthesmartest.......
You really are insufferable with your sanctimonious comments, maybe one day YOU will miscalculate something, and I hope someone will reply to you in the same manner you have to the OP

I have noticed in many of your posts you seem to delight in insulting people.

Iamthesmartestmanalive

gatita wrote: »

Iamthesmartest.......
You really are insufferable with your sanctimonious comments, maybe one day YOU will miscalculate something, and I hope someone will reply to you in the same manner you have to the OP

I have noticed in many of your posts you seem to delight in insulting people.

But she hasnt miscalculated

She knew fine her finances were !!!!ed and buried her head to moan when she got caught out

Its her own fault, not hsbc's or should they become a charity and screw getting money back?

vdh

Iamthesmartestmanalive wrote: »

Well maybe she should have shown some financial prudence and solved the problems first instead of ignoring them til hsbc did it themselves

If she had called she may have been able to reduce payments etc

Instead she ignored it, my take is HSBC have every right when customers abuse facilities and ignore it

You shouldnt be accessing her internet banking anyway, thats another breach in itself

Are you a bureaucrat or a critic who knows the price of everything and value of nothing. Anyway, you have made it to my wall of non-pragmatic i****s who are a burden on earth themselves and creating more burden for others. It is not a cardinal sin to access the bank account of someone else who trusts you. Point no. 2: before making this comment, did you think laterally, may be her sibling is authorised to do that on her behalf.

Anyway, I do agree with your point that she should not have buried her head in sand.

MPH80

It is not a cardinal sin to access the bank account of someone else who trusts you. Point no. 2: before making this comment, did you think laterally, may be her sibling is authorised to do that on her behalf.

If you check the T&Cs of the online banking - you'll find you are now allowed to reveal your security information to others.

If any fraud was committed on her account and it was found out her sibling had access - unless the bank were informed he should - then I'd bet they wouldn't pay out.

M.