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?

agedknees Mon 26-Nov-12 10:16:56

It will be a cunning ploy to try and sell you one of their products.

Trust me.

MoomieAndFreddie Mon 26-Nov-12 10:20:37

banks are incompetent idiots <sigh>

don't stand for it, why should YOU have to go out of your way because of an error THEY have made hmm

TunipTheHollowVegemalLantern Mon 26-Nov-12 10:21:54

I think you are right AgedKnees.

Maybe I need to go on some kind of assertiveness course to learn not to be a sucker.

It's a waste of their time anyhow because it's a joint account and I'm not buying any products without dh who tends to do the financial planning in our house because is a maths whizz and gets a kick out of saving a few ££.

Do you think the counter staff get some kind of bonus for the number of people they bring in for a pointless appointment?

MistyB Mon 26-Nov-12 10:22:16

Phone the telephone banking number and as them to sort it out. I wonder what's going on? I was on the phone last week about an address and missing post and they asked me about an address I was at 5 years ago. Odd.

Iggly Mon 26-Nov-12 10:23:16

Tell them to get lost and not to be so ridiculous.

ChippingInLovesAutumn Mon 26-Nov-12 10:24:43

I'd ring them up, tell them you will not be going in to sort this out, so if they have any questions or forms they need filling in they can send them to you, to the address they have had for FIVE years smile

Dh had similar issues with HSBC. They'd changed his address on one part of the system. All his statements etc were coming to our address. All fine until he needed a new card issued. They sent it to his previous address because they hadn't updated his address for that system "for security reasons" hmmconfused. Luckily it was his parents address but the first we knew of it was MIL phoning him to complain that he was getting post delivered to them.

At least they're offering you an appointment with an actual person. We used to bank with HSBC but decided to change to a bank that didn't direct us to a phone (to speak to someone in India, usually) when we had come into the branch. If we wanted to do it over the phone, we wouldn't have bothered coming in to the branch.

Well, that and the debacle of setting up DS1's online banking. The woman on the phone kept insisting on speaking to a 9 year old who couldn't understand what she was asking him and telling her to speak to me. It was an absolute nightmare, and I was exasperated by the end of it. It was particularly irritating as I am the signatory on the bloody account, and he couldn't take money out or do anything to it without my permission. But, did that mean I could set up the online banking...

I hate HSBC with a passion.

TunipTheHollowVegemalLantern Mon 26-Nov-12 10:29:46

Interesting that you've had a similar problem Crafty.

The original card actually came to the current address, despite their supposedly having the old address attached to it.

Security reasons - pah! If they were so keen on security surely leaving an old address on a card and not bothering to check it is correct is a fucking massive security risk? She said they had 'gone away' correspondence for the old address - so you might think the moment that happened they would have contacted me at the address they knew worked to check the situation?

ParsingFancy Mon 26-Nov-12 10:37:37

Yep, I've had this with HSBC, address changed on one part of the system and not another.

Don't try to deal with it verbally: send them a(nother) letter updating your address, and pointing out the part of the system where it hasn't been changed.

Add "Principle 4 of the Data Protection Act requires you to ensure that personal data shall be accurate and, where necessary, kept up to date. Failure to update your records when informed of a change of address is a breach of the law. I therefore expect you to update all your records accordingly."

If you want to be really hard-core, tell them you'll be making a Subject Access Request in 4 weeks' time to check they've actually made the change...

I'd agree to doing it in writing, and keep a copy. The appointment will definitely be to try and sell financial products. They tried this with me, but I sat and smiled and did the broken record thing "thank you but I have that covered." Not accepting appointments in future.

MariaMandarin Mon 26-Nov-12 10:43:43

HSBC have been getting on my nerves recently so I definitely think YANBU. Had to go in for an apparently crucial meeting to do with my new mortgage where what actually happened was that nearly 2 hours of my time was taken trying to sell me insurance products that I do not want. I wish I had the balls to just tell them to shut up and leave. I kept thinking we were about to get to the important bit but we never did.

TunipTheHollowVegemalLantern Mon 26-Nov-12 10:49:41

If I go to the meeting I'm taking my 3yo, I'm not wasting my precious child-free time.

My broken record if they try to sell me stuff will be 'My husband deals with all that' <surrendered wife-type smile>

Pomtastic Mon 26-Nov-12 13:15:12

Had same problem here for both DH's & my separate accounts - statements sent monthly to new address for several years, replacement cards sent to previous address.

Updating address on internet banking doesn't help, but doing it via telephone banking does.

Weird glitch & very very annoying. Sent a few cross emails about it & was just stone walled in replies back! Must cost them so much, let alone the fraud implications.

Floggingmolly Mon 26-Nov-12 13:22:33

Be careful that they haven't been sending duplicate bank statements to your old address. Bizarre as that sounds, it happened to me.
I actually had to close the account and move it elsewhere as they finally admitted that the way their computer system had linked the accounts didn't allow for one to be deleted.
(They'd opened a new one, instead of simply changing the address on the original one as requested).
So they gave my account details to someone else on a monthly basis for almost a year. hmm

cozietoesie Mon 26-Nov-12 13:25:44

I'm with RBS. Everything was done by phone and filling in one form which had to be sent to somewhere like Burnley. (They have COA centralized to avoid fraud.)

EscapeInTheCity Mon 26-Nov-12 13:32:05

My parents had the same issue with HSBC. All statements arriving at their house but cards arriving at my house (previous address).
They didn't have to go and get an appointment though to have the address changed.

But I still receive junkmail for them from HSBC. Obviously, they still haven't updated all their mailing lists....

TunipTheHollowVegemalLantern Mon 26-Nov-12 13:41:22

FloggingMolly, that sounds entirely possible. I get the impression they've been sending something to my previous address.

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.

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)

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

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?

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

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?

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!

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

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!!!

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

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.

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 21:27:14

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.

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

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.)

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

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

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 21:41:16

Arma dudumque cano

Errare dudum est

Vox dudi vox dei

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

oops, wrong thread....

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.

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..

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

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.

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

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

That's good smile

Join the discussion

Join the discussion

Registering is free, easy, and means you can join in the discussion, get discounts, win prizes and lots more.

Register now