HSBC closing my acc due to staking transfers?!

[claypole]

Tempting fate here after recent transactions and more staking - but First Direct are absolute class for me. No issues, no onerous security checks, happy with transactions and great customer serviice

[AndrewT]

Tempting fate here after recent transactions and more staking - but First Direct are absolute class for me. No issues, no onerous security checks, happy with transactions and great customer serviice

First Direct are HSBC.

[Dubai]

when i was with Royal Bank of Scotland i got 20k in cash out and the women insisted that for cash transactions of that size she needs to write on the form what im doing with it- i told her im going to P Diddys party and gonna spend it there, she replied "No we need to know the real reason"

Even when u tell the truth with the banks you cant win

[Killerkilsby]

I had a similar problem as was using various different sites to gamble on. HSBC asked me to come in the branch to speak to them, i explained the situation and all was ok

[SuuPRlim]

when i was with Royal Bank of Scotland i got 20k in cash out and the women insisted that for cash transactions of that size she needs to write on the form what im doing with it- i told her im going to P Diddys party and gonna spend it there, she replied "No we need to know the real reason"

Even when u tell the truth with the banks you cant win

haha

[redsimon]

Tempting fate here after recent transactions and more staking - but First Direct are absolute class for me. No issues, no onerous security checks, happy with transactions and great customer serviice

First Direct are HSBC.

That's what confuses me. I have no problems with First Direct and transactions etc only queried once and that was a first deposit onto DtD online which was cleared by 'phone call.

Yet loads of you are saying HSBC , who own FD, are keen to close you down for stuff that FD sanction everyday?

[edgascoigne]

Had a student account with HSBC, maxed the overdraft at a grand, never really used the account. Interest free though so was in no rush to pay it off. Knew that I had to deposit a token amount at certain intervals so as to make it seem I was using the account.

Forgot to do so on one occasion, and get a phone call one Saturday am to inform me they will be charging me interest from the next month, the conversation goes as follows:

Me: "Can I pay that off now then please?"
Her: "How will you do that? You have no money in the account."
Me: "Err, from another account!!"
Her: "How will you do that?"
Me: "Because I have money in another account".
Her: "How much can you pay?"
Me: "The full amount. I then wish to close my account".
Her: "But how will you pay?"
Me: "With. A. Card. From. Another. Account."
Her: "Let me pass you through to payments"

Payments line rings out.

Her: "The payments team aren't in today."
Me: "The payments team of HSBC bank aren't in today, on a Saturday?"
Her: "That is right"
Me: "So why ask me to pay today?"
Her: "You will have to pay on Monday"
Me: "Monday is a Bank Holiday. I assume payments won't be in then either".
Her: "That is right. You will have to pay Tuesday."
Me: "I'm back at work on Tuesday. I'm busy, I won't have time to pay this."

Hang up phone. Utterly irate. Pay balance and close account on the Tuesday vowing never to have anything to do with them again. If someone owes me a grand, I will take that money however and whenever it is offered. If I am a global operator like HSBC, I probably have someone in payments in on a Saturday. Unbelievable.

[bobby1]

when i was with Royal Bank of Scotland i got 20k in cash out and the women insisted that for cash transactions of that size she needs to write on the form what im doing with it- i told her im going to P Diddys party and gonna spend it there, she replied "No we need to know the real reason"

Even when u tell the truth with the banks you cant win

lol, that is brill.

[claypole]

Tempting fate here after recent transactions and more staking - but First Direct are absolute class for me. No issues, no onerous security checks, happy with transactions and great customer serviice

First Direct are HSBC.

I know obviously - thats why I said hope not tempting fate lol

[titaniumbean]

when i was with Royal Bank of Scotland i got 20k in cash out and the women insisted that for cash transactions of that size she needs to write on the form what im doing with it- i told her im going to P Diddys party and gonna spend it there, she replied "No we need to know the real reason"

Even when u tell the truth with the banks you cant win

 

[Boba Fett]

Im with RBS and theyve never had asked about any of my transfers or transactions.  When I have a decent amount int he account they offer me all sorts of upgrades, when my account is low they offer me loans, overdrafts and credit cards

[istrabraq]

Hate banks as I get cash every day it's under my pillow lol I started banking with a credit union nip I'n everyday and put money I'n . Ran by volunteers great bunch and a 200 sub is only 6 pound added on . And what ever you have I'n you can get withdraw without questions and is open till 7 pm . Might not be every ones cup of tea but suits me

[EvilPie]

Hate banks as I get cash every day it's under my pillow lol I started banking with a credit union nip I'n everyday and put money I'n . Ran by volunteers great bunch and a 200 sub is only 6 pound added on . And what ever you have I'n you can get withdraw without questions and is open till 7 pm . Might not be every ones cup of tea but suits me

Sounds quite decent for anyone in the poker business tbh especially the bit I've bolded.

[Geo the Sarge]

If you cba with the hassle then I'd suggest banking with Santander as the majority of there staff are completely incompetent so if you do a lot of transfers that aren't super urgent they are gtd to mess a few of them up and will compensate you for there stupidity. A friend of mine banks with them and they just kept messing up her transfers, even ones where the details where saved on her account and they just kept giving her £50/100, one month she got £400 off them just off this, so ridic. I believe they do this because they get a ton of complaints which gets them huge fines so if they do this people wont make an official complaint, pretty com. Both me and me Dad transfered to them for the £100 offer a while ago, it wasn't worth the hassle and neither of us bank with them anymore.

Banks have to, by law, record and notify all complaints to the FSA.

Once a complaint is lodged they have 5 days to issue an initial response. After which they have a further 28 days in which to rule on the complaint and make neccessary recompense or if more investigation required negotiate a new timescale with the client.

Some, like Lloyds Banking Group waste a lot of money and manpower by fully investigating the complaint and settling somewhere near the 28 day mark then report the complaint as settled.

Others like Santander deem it cheaper to quickly look and see if they are at fault and offer compensation quickly. They actually can save money by just accepting rather than have to pay the wages of people to investigate fully. They then report as settled to FSA.

FSA and other companies actually use average time taken to settle complaints to rate companies in complaint reporting

Geo

[Geo the Sarge]

yeah the old call of shame from your bank, such tilt.

"Hi Mr Nicholson, can we confirm some transactions were yours? ***5minutes of tilt secrurity questions (they rang me!)***

then they make you feel like a broke degen reeling off hundreds of transactions, usually ending with 4 or 5 in a sleazy sounding club from 3am lol

By law if the bank is calling you they must ask you questions to ensure that they are indeed speaking to the account holder. This is not the individual banks decision this is law.

It tilts me and my colleagues when we have agreed to call a client back with info we may have to go look for and even though it may only be 5 minutes later and we have agreed to call them back that we have to go through the whole vetting procedure again.

Geo