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  • FIRST POST
    bargainhunter90
    HSBC Changing all Bank accounts
    • #1
    • 24th Sep 08, 7:00 PM
    HSBC Changing all Bank accounts 24th Sep 08 at 7:00 PM
    Received a letter today from HSBC they are changing their account names and conditions.

    Not yet read them as its a lot of info to look through as usual.

    I have just cleared my overdraft with them. feel like I've had lots of stress of them glad to be shut and in credit. Might just get rid, also had one of their credit cards too ended up about 1 pound 50 in credit asked them to close and they donated it to credit. I'm sure they wouldn't write a debt off from me.

    My account has been changed to the HSBC Current Account and not the Current Account Advance. I do have a bank account I get my salary into with someone else.

    If anyone has anything useful we should know about this change please post.
Page 42
  • never-in-doubt
    Im sure you may find that the test case was ongoing long before the recession kicked in, officially ((( i think))))

    We still have a banking system that is free at entry point, we still have a banking system that is quick an easy to use, mostly!, and they way customers use their overdrafts is the first sign of any difficulties they face and although that may have, at first glance, nothing to do with the "normal" customer, it has significant imapct on the lending scorecards across the board. i e if economic climate says that we are in a recession, for example, lending criteria for all will change to reflect this.
    Originally posted by ldavies
    Mate come on, we all know the recession was here 10 years ago long before the test case - a recession doesn't happen overnight - I was prepared for it and so were a lot of economists - just a question of 'when' not 'if'......

    Seriously though, I know what you mean and I was being clever about Sir Flop - LOL, wasn't meant to be taken literally
    • ahai1
    • By ahai1 24th Apr 09, 11:04 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    My wallet got stolen today. I have reported and should get a new debit card. This happened in the same area last year or so.

    I was wondering how can I take money out in the meantime?
  • ShelfStacker
    My wallet got stolen today. I have reported and should get a new debit card. This happened in the same area last year or so.

    I was wondering how can I take money out in the meantime?
    Originally posted by ahai1
    Take your cheque book down to your local branch, and write a cheque payable to cash. If you need a lot of money, take a driver's license or passport with you.

    If you can't find your cheque book, they should issue a withdrawal slip for you, or if it's on Saturday and there's no counter service work out something else for you.
    • ahai1
    • By ahai1 25th Apr 09, 8:01 AM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Thank you.
    • ahai1
    • By ahai1 26th Apr 09, 5:43 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Cheques
    ShelfStacker I so agree with you on cheques as I had many problems for example Birmingham Midshires hanged onto my cheque a few weeks before opening the account.

    I am wondering whether I should stop a cheque now. I sent a cheque to a bank but the bank has lost it and I subsequently sent them another one. The cheque was in the value of 10.

    Is it worth stopping it and if? If I do can I claim the money back from the other bank?

    I will be on the phone to them 8am tomorrow when the lines open as they left me a message which requested that I call them back.

    It could be that they want to discuss the matter further. I am going to make sure that this one is presented to the bank.
    Last edited by ahai1; 26-04-2009 at 5:46 PM.
    • ahai1
    • By ahai1 1st May 09, 9:17 AM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Lost cheque charge
    I have been charged 10 for a lost cheque. I was advised by the bank which lost it as I sent it via post that banks do not charge. Any advise?
  • ShelfStacker
    I have been charged 10 for a lost cheque. I was advised by the bank which lost it as I sent it via post that banks do not charge. Any advise?
    Originally posted by ahai1
    IIRC, the charge for stopped cheques is only waived if the cheques are blank when lost (i.e. someone nicked your cheque book). For any other reason, the charge applies. Don't have the intranet to hand to check, sadly.
    • ahai1
    • By ahai1 1st May 09, 7:51 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    The other party involved has agreed to pay for the stopped cheque and refund me the interest I may have lost due to them opening account late.
    • ahai1
    • By ahai1 12th May 09, 8:16 AM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Bacs
    I sent some money to Anglo Irish via BACS on Friday. I phoned them up today and it appears that the money has not gone in. I know that I have the sort code and the account number rigtht as I have it reconfirmed to me.

    My question is that should it have gone in today or should it go in tomorrow? Could it be that it is not yet showing up on their system?
    • rb10
    • By rb10 12th May 09, 12:13 PM
    • 6,304 Posts
    • 3,827 Thanks
    rb10
    I sent some money to Anglo Irish via BACS on Friday. I phoned them up today and it appears that the money has not gone in. I know that I have the sort code and the account number rigtht as I have it reconfirmed to me.

    My question is that should it have gone in today or should it go in tomorrow? Could it be that it is not yet showing up on their system?
    Originally posted by ahai1
    It might not be until Thursday, as if you were after Friday's deadline, it would have left on Monday, to take three working days = Thursday.
    • ahai1
    • By ahai1 12th May 09, 2:21 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    I contacted them a few hours later and it was in.
    • ahai1
    • By ahai1 19th May 09, 9:21 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Does HSBC send new cheque books out automatically? I have got 4 cheques left.
    • Rose123
    • By Rose123 19th May 09, 9:32 PM
    • 397 Posts
    • 624 Thanks
    Rose123
    Does HSBC send new cheque books out automatically? I have got 4 cheques left.
    Originally posted by ahai1
    They should do but I have seen flaws in this system so id order another one myself if not, call up and check that a new one has been ordered.

    There is meant to be a trigger but I have had several complaints from customers saying this has not happened!

    Official SOS Club number 014 - Dry until 29.11.09
    • ahai1
    • By ahai1 19th May 09, 9:51 PM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    Thank you. I will do that.
    • ahai1
    • By ahai1 6th Jun 09, 8:50 AM
    • 1,555 Posts
    • 737 Thanks
    ahai1
    I have been trying to delete a payee which I used on Monday but it says I cannot delete it.
  • Joseph_Michael
    HSBC current account advance requires 500 p/m to be paid in, if you wanted a current account with them but can't meet this, go in and you can still set one up because anyone under the age of 23 doesnt have to meet the qualification criteria. Only when you hit 23 will you need to start paying 500 per month =]
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