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To think I'm a sucker for agreeing to this from HSBC?

(44 Posts)
TunipTheHollowVegemalLantern Mon 26-Nov-12 10:13:32

So, I just went into my bank to pick up a replacement card for joint account after losing my old one.
Lady goes to fetch card and when she comes back I notice she is holding an envelope with my old address on, for a house I sold 5 years ago.
Everything as far as I have been aware has been coming to our current house, I have not noticed anything going missing.

So I enquire and it turns out they have the old address as well as the new one despite our having informed them of address change, and they want me to make an appointment to go through the change of address details. WHICH THEY HAVE HAD FOR 5 YEARS AND HAVE BEEN USING CORRECTLY IN EVERY OTHER ASPECT OF THE ACCOUNT. So I need a special appointment just to DELETE an old address hmm

Me: 'Can't I just fill in a form? Or do it now?'
Her: 'Oh no, we don't have a form, and I can't do it, you need to make an appointment again with Tam.'

So I have got to make a special trip to the bank just to put right some bizarre clerical error on their part. I am a sucker for standing for this, aren't I?

Are all banks this silly or is it just HSBC?

ChippingInLovesAutumn Thu 29-Nov-12 11:59:16

That's good smile

TunipTheVegedude Wed 28-Nov-12 10:04:16

They are forgiven.
Other woman from branch phoned me up to apologise and say I didn't need to come in and she could do it over the phone. smile

ant3nna Mon 26-Nov-12 21:54:23

First Direct is owned by HSBC but seems to be much better. When I changed my address after moving last month, it took 1 min 25 seconds from dialling the number to hanging up. Never had anything but excellent service from them. Plus they don't have branches so they can't try to con you into making pointless appointments.

mamamibbo Mon 26-Nov-12 21:51:07

ive been changing my bank account from my maiden name to my married name for 19 months, every time i think its finally done it isnt, dont see whats so difficult

FudgeyCookie Mon 26-Nov-12 21:47:57

worley they can reduce it, DP has asked for his to be reduced by £20 a month in both Natwest and RBS..

NotQuintAtAllOhNo Mon 26-Nov-12 21:44:32

Can you not sort it through online banking?
You can go in and check what addresses they keep on you, and delete old obsolete addresses.

TunipTheVegedude Mon 26-Nov-12 21:41:36

oops, wrong thread....

TunipTheVegedude Mon 26-Nov-12 21:41:16

Arma dudumque cano

Errare dudum est

Vox dudi vox dei

Worley Mon 26-Nov-12 21:35:16

I had an appointment recently in the natwest and asked to reduce my overdraft by £50 a month until it was all paid off again.. it was all set up.. I then noticed it hadn't reduced when my statement came.. I went into another branch to ask why and the person behind desk told me that they can't do such a thing and if they could they would have to credit check me everytime they reduced it down ??!! how come other person said they could do that. fecking banks...

TunipTheVegedude Mon 26-Nov-12 21:33:37

Lovethesun1 - oh no, please! Not the 99 follow-up calls! shock

TunipTheVegedude Mon 26-Nov-12 21:32:41

Honestly, the fact that this happens regularly is bloody shocking, and a security risk, isn't it?

I am actually thinking it might be an idea to move the account anyway.

Livvy - I really don't know, and my dh really does deal with all that stuff! He consults me if he's making any major decisions but he does all the day-to-day work of keeping the household finances ticking over (and very grateful to him I am too.)

lovethesun1 Mon 26-Nov-12 21:31:02

Call telephone banking,tell them what you want to do, disagree when they say you have to go into the branch (they will try it on), tell them you will close the account if they can't sort it, ask them to cxl the appt on your behalf. Be prepared for 94 follow up calls from the branch trying to re-book the appt. Be polite but firm. Can you tell I used to work in this industry?! smile

livvybugs Mon 26-Nov-12 21:27:14

Ps if they ask when your house, car, building insurance etc is due, just say you don't know your DH deals with all of that stuff. Usually works for me.

FiercePanda Mon 26-Nov-12 21:26:01

They did the same to me! I have an account with them, and for some inexplicable reason when a payment bounced, they sent the notice letters to my old address from 3 years ago, despite sending me regular shite letters to my current address. First I knew about it was when I tried to log into internet banking and I was told to phone them. <rage>

livvybugs Mon 26-Nov-12 21:21:32

I constantly bang my head against the wall with HSBC, I would ring the telephone banking number and speak to someone to ask them to sort or if you are on Internet banking send them an email.

DH has still got this problem too, one particular statement still goes to his parents house after several years of trying to change it.

The worst part is that DH also happens to be
<<whispers quietly>>
employed by them hmm

glamourousgranny42 Mon 26-Nov-12 19:17:13

I made an appointment to apply for a mortgage against my house. After an hour and a half of questions about my spending and income I was told I had to make another appointment to make the actual application. After another hour and half abd the mortgage approved I had to make another appointment to sign the bloody forms!! They know more about me than my partner does!!!

beingagoodmumishard Mon 26-Nov-12 17:05:57

I too have been conned persuaded by HSBC to come into a meeting tomorrow just so that I can set up internet banking, oh and could I bring in details of my mortgage, insurance etc provided by other providers hmm

zipzap Mon 26-Nov-12 16:44:57

I would also tell them up front that you hope that getting you to go in person to change the address at a different time is not a ploy to do an individual review because you are perfectly happy (give or take their inability to update your data correctly) with all your banking and related products from them and your other suppliers so you do not want to hear about nor will not be signing up to any new or changed products from them - and that any attempts to make you listen to any sales pitches will make you close down your accounts with them.

That has worked for me in the past when they have tried to get into the bank under false pretences in order to flog me new stuff!

DH tried to get hsbc to add me to his account for it to become our joint account. they lost the first two sets of forms that we filled in (although as he was making a different change too at the same time we know they made that change ok).

it's not just hsbc - I kept finding old addresses popping up on my lloyds accounts, despite changing them more than once. Years and years and I'd think I'd get it sorted and then it would appear in strange random places. Madness that they do not have a global 'change address' function on their systems that changes everything!

TunipTheVegedude Mon 26-Nov-12 16:12:22

DH was with me this morning but they couldn't do anything there and then supposedly. I can just imagine turning up on Wednesday and being told I need to make a new appointment with him present.

I think tomorrow I'll grow a backbone and ring them and say I'm not coming. I'll tell them if they can't find a way to formalise the address changes without me making a special appointment, I'll look around for a new bank. What are the odds they'll suddenly discover I can do it by writing a letter after all?

Iamnotamindreader Mon 26-Nov-12 16:07:15

I'm with Sancrapper and wentin to change the address on mine and DHs joint account. All went fine except they couldnt change him to being at the new address as he wasn't at the appointment.

So now all correspondence is addressed to Mrs. Iamnotamindreader and Mrs. Iamnotamindreader. hmm

TheCatIsEatingIt Mon 26-Nov-12 15:47:45

I had a pointless HSBC Financial Review when I went in to change my name after I got married. Or maybe when I had to go in the second time once I'd got my DH to sign the form to consent to me changing my name on the joint account - that being the change from my maiden name to his name, evidenced by the marriage certificate from my wedding to him, that he had signed at the time. Pretty well everything she asked required the answer "I'd have to talk to my husband about that." I'm not a surrendered wife by any means, but long-term financial planning is something we decide together - is that really so big a surprise?

PrincessSymbian Mon 26-Nov-12 14:29:32

Just trekked on two buses to open an account with the Co-Operative bank.
Got there and they only work on an appointments basis so have to go back on Wesnesday!
And they now require you to fill out a monthly budgeting form with your application. I am so tempted to scrawl none of your fucking business all over it but I won't

TunipTheHollowVegemalLantern Mon 26-Nov-12 14:07:55

Poor staff, they're not going to sell me anything sad

(even though I am a sucker)

Kafri Mon 26-Nov-12 13:57:28

When you book an appointment listen out for the magic words 'individual review'. They'll want to o through every product you have and try to flog u a paid version cos its better for you!! Bullshit - it's not better for you but each product sold = points for the branch and meeting points target = CASH BONUS FOR STAFF! Simple as that. They've tightened up on targets now so it's harder for branches to meet them therefore harder for staff to get their bonus so they'll try everything to get people in.

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