Newest Review: ... an acceptable form of communication, but in this case, a letter was sent home. Maybe the HSBC thinks this justifies some of the charges??... more
Member Name: Paulie_Wa1nuts
Advantages: Good student account.
Disadvantages: Terrible service, ruined my credit rating.
I had a HSBC account form the age of 16 up until I was 23.
At first it was really good, and they accomodated me with an overdraft etc. I had no problems, except for the occassional bank charge for going over my limit.
When I became a student in 2005, the student account was fine, then I became a graduate and the account got changed to a "graduate account". I was unemployed after leaving university and asked someone in the bank if I went over my limit would I get charged as there were a few bills coming out that were going to take me over my limit, she said no, like the student account you do not get charged for this.
Sure enough, I got charged!!! I kicked off and raised a complaint etc. It took ages and nothing got done about these charges. After several hundred calls from India, who I refused to talk to, I eventually talked to someone form the U.k they agreed to remove my charges if I started to pay back the overdraft, I said to ring me back the next day and I will set up a direct debit.
They did not ring me back, instead they put a "Default" on my credit rating. Now I can not get credit at all due to one red mark. I complained but nothing was done about this.
Be careful when using this bank.
Summary: Ruined my credit rating.
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