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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to think that HSBC bank do not want my custom?

54 replies

Mintyy · 19/01/2015 21:15

Very very long, sorry, but just want to offload:

Last week I went into my local branch of HSBC and (after a very long wait in the queue) said to the cashier "I'd like to see someone or make an appointment to open two bank accounts, one for my daughter and one for a group that I am treasurer for".

So he said ok I can set up an appointment, and consulted his screen, and then asked for this information and input it on the screen: first name, last name, dob, email, (at this point I said do I have to give all this info here and now just to get an appointment and he said "yes I have to create a form on the computer") landline no., mobile no, postcode, house number, confirm street name, date moved into current address, first name of dd, second name of dd, dob of dd etc etc. All while the queue stretched away behind me.

Then there was some kind of hiatus on the computer system and he more told me "Really sorry but computer says No. We are just a service branch here anyway so you'll have to go X branch (branch about 3 miles away) for the appointment, so can you phone them or go online?"

I said, yes I could do that (although why he didn't tell me my appointment would be at X branch at the start of the conversation, I'm not sure - because I might have wanted to choose another branch entirely) can you give me the direct line number of X branch so that I don't have to go through the central phone number for the whole group and all the annoying interminable options? So then he clearly googled for a few minutes and wrote the 0800 number for the whole of HSBC UK down anyway so I said thanks and left. 20 minutes of life I don't get back.

On Friday I phoned the number. I got through to a call centre in Wales. I said "I'd like to make an appointment at X branch to open 2 bank accounts ... etc". Righto, said the man in Wales, I just need to fill in a form ... he took all the same details as chap in branch, might not have got as far as my dd's details to be fair, and then said "Oh, I'm really really sorry but the computer seems to be down and I can't get your details accepted. Can I just put you on hold and I'll go through to our New Business department and they'll take over from me?"

So I said ok. Few minutes on hold.

New person on line "Hello Mrs Mintyy, I understand you want to make an appointment to open a new bank account?" Me: "Yes" Him: "Ok then" then we had to review all the info I'd given so far, then he tried to actually book an appointment with the X branch, then he came back and said "I'm sorry but I think we've got a computer problem, tell you what, give me your number and I'll get someone to call you back later."

So now I was slightly impatient and explained why I wasn't terribly impressed with my experience of trying to open a bank account with HSBC up to this point, pointed out that they already had both of my contact numbers (twice), provided my mobile number again and said I looked forward to hearing from a member of the team shortly so that they could book this appointment for me.

To date I haven't had a call.

That's really quite rubbish isn't it? (if you've managed to read this far Flowers )

OP posts:
trufflesnout · 20/01/2015 03:52

Online is sooooo much easier.

Is there actually an account you can open online? All the accounts I've seen that offer that is just you filling in the application form yourself, then going in with your documents while they check you filled the form out correctly & take your proof of ID/address. So basically the same as just doing it in-branch.

ajandjjmum · 20/01/2015 04:38

As an established account holder with our bank (Barclays), we have been able to open new accounts online.

Working online is loads easier - but not when your 88!

LaRaclette · 20/01/2015 05:23

Anybody have any comments please, good or bad, on Santander, as my DD is thinking of opening an account there?

Nolim · 20/01/2015 06:18

Yanbu. Customer service at hsbc is rubish.

plummyjam · 20/01/2015 06:42

Setting up a business account is a bit more of a PITA than an ordinary account (been doing the same with HSBC this week) there are a lot more hoops to jump through and you can only do it at some of the larger branches.

Doesn't excuse the crappy service or computer issues though.

Ememem84 · 20/01/2015 07:25

Opened a savings ac with Hsbc online yesterday after being told in branch that I couldn't. And that they weren't looking for any new customers like me at present.

Asked the guy why he thought I was new when I've got all my accounts with them, have a mortgage with them and credit card and used to work for them.

Sigh.

LeapingOverTheWall · 20/01/2015 07:29

HSBC almost closed our charity account as the main signatory hadn't returned a particular form. Which they hadn't received because HSBC had their home address listed as being the branch address Confused.

Sadly HSBC seem to be the only high street bank who let you make online payments from a dual signatory community account, so we're stuck with them. The staff in the branch are really good though, we just have to make sure that everything is sent directly to them rather than going through the call centre/central mail department.

RobotLover68 · 20/01/2015 07:44

Lloyds TSB allow you to make online payments from a dual signatory account

OP I had the same trouble with HSBC - tried to open 3 accounts for each of my children, tried online, tried by phoning, tried by going in - never got anywhere. Gave up and went to NatWest - much better, they also have a proper counter service on Saturdays

Ememem84 · 20/01/2015 07:55

Apparently according to dm (HSBC staff) the bank is systematically blocking/closing any account located offshore where the ac holder can't prove they live offshore.

It is causing chaos

LeapingOverTheWall · 20/01/2015 07:57

RobotLover - is that a fairly recent change from Lloyds then? And it is applicable to charity/community accounts?

VikingLady · 20/01/2015 08:04

HSBC are awful. The staff actually no longer have access to direct external numbers for other branches so can't hand them out, and the systems seem designed to put you off!

Co-op bank on the other hand have been fantastic. I've never been told to come back another time although I have been warned it might be advisable when they are busy. They have always called me back when they said they would. The staff are helpful and always happy to give you their card with the branch number on it, and they let me walk in with the appropriate paperwork to set up an account immediately. The kids account was the best on the market for freebies when I set up DDs, nearly 3 years ago now though.

I honestly can't recommend them enough!

HarveySchlumpfenburger · 20/01/2015 10:42

Emem, that's exactly what they did to me. No notice whatsoever. First I knew about it was when the cash point swallowed my card and I received a bunch of texts saying my direct debits hadn't been paid. Chaos is not the word. Almost could have lived with that if they'd been apologetic and sorted it out quickly, but after 3 months and 11 members of staff each as incompetant as the last I went to the advisor at Barclay's and asked if they could sort it. She did eventually manage it but even then it took another month.

I do have a lovely letter thanking me for being a valued customer for 20years and saying I am always welcome back. They have to be fucking kidding me.

Clarinet9 · 20/01/2015 10:57

sadly that seems pretty par for the course, a few years ago I tried reviewing all my bank accounts (you know how you are always being told to do a financial review and plan and swap for the best rates)

I really don't have that many but any attempt to deal with some people seemed designed to make you want to bang your head against a brick wall.

Yes Nationwide I am talking to you, they refused to deal with me, refused to accept a passport as id, told me I couldn't have a bank account, reverted everything to a very very old address (took us ages to work that one out) they still have not linked the child trust fund to us (we must have asked about 50 times) I could go on.

in fact they won that one because they still have not moved my account off one paying 0.1% interest.

there is precious little in any of them but it still annoys me

so YANBU

ChablisChic · 20/01/2015 11:28

Yep, HSBC are a pile of poo.

Sadly, the other big banks seem to be pretty similar - I think it's pot luck if you get someone who knows what they're talking about in the branch/on the phone who can actually deal with your enquiry. It's getting to the stage where I think I'd be better off stuffing my money under the mattress!

chipshop · 20/01/2015 12:49

HSBC are crap and I should have left them years ago, just too lazy to switch. I once had a massive row with them about an error they made in my online banking. They eventually refunded me the extra charges (which were their fault) so I stuck with them.

DP banks with NatWest and is always saying how great they are. I really need to switch.

MovingOnUpMovingOnOut · 20/01/2015 14:34

I have applied for First Direct online, Santander online (easier if you're already a customer but still fine) and Halifax online. I was id'd electronically (am on the electoral roll etc). It took me 5 minutes to open a new cash isa online with Santander. It would take me longer to get to the front of the queue at the branch.

Unfortunately most of my preferred banks have been swallowed up by bigger ones and opening accounts online for children with a trustee seems to be impossible.

DrinkFeckArseGirls · 20/01/2015 14:52

Seriously, forget about HSBC. It took me 4 months to open a business account with them! Shock
I had no clue then and was inly setting the business up so thought it was normal. That was 5 years ago. When they finally opened it, they told me I couldn't get the debit card for the account as I didn't have a personal account with them. I wasn't asking for a loan, I indeed put several thousand pounds into the account. They said the couldn't verify how I manage money due to no history with them. My own money. That I put in.

Nomama · 20/01/2015 17:11

Odd isn't it? We all have such different experiences.

I wouldn't touch NatWest with yours, let alone mine,. They used to screw up my accounts and my DSister's are still in a mess now. They are, in my judgement, absolutely abominable.

HSBC have been great for us. Business accounts, offshore earnings advice, online accounts, 3rd party mandates and all sorts of unusual banking procedures, including the immediate correction of a really weird and worrisome error last year, just as we were transferring money to buy our house. I probably wouldn't change banks without a very large sweetener...

I did laugh at the comment that HSBC don't have counter staff on Saturdays. I am old enough to remember NatWest spearheading the wholly automated branches, very few staff, lots of machines. It was the NewWay of NatWest banking!

Now their adverts tell you that they are 'putting the customer first, adding staff, convenience, etc'. But they don't tell you that it was them who had the bright idea of removing them in the first place Smile

magoria · 20/01/2015 17:19

I wandered into Barclats on a Saturday was seen in a few minutes by a lovely young woman who opened and account for DS and made a few adjustments to mine.

Perhaps I got lucky Grin

Namechangeyetagaintohide · 20/01/2015 18:37

When I worked in a bank we did have screens wi all that info we had to fill in before we can see any of the branches and appointment times.

But I used to skip it and just put xx or 00 for all of them because otherwise it took forever.

RobotLover68 · 20/01/2015 18:38

RobotLover - is that a fairly recent change from Lloyds then? And it is applicable to charity/community accounts?

I think I got access to online just over a year ago - my account is a community account for a cub pack. I can definitely do online transactions, however the Scout Association doesn't allow it.

Osirus · 20/01/2015 21:53

I have always opened new accounts online even without being a customer. It's much easier. They must do online AML checks as I have never had to present ID in branch to formalise a new account. I've done with HSBC, Lloyds and Nationwide.

trufflesnout · 20/01/2015 22:42

Well I've just attempted to open a Natwest account online, they were meant to email me with some sort of link so I could submit photo ID but there's nothing in my inbox Hmm looks like it's the old take-the-form-into-branch route again.

WowserBowser · 20/01/2015 22:49

I went in to HSBC to open another account today. Apparently they are also not a branch so she straight away made me an appointment for tomorrow.

It is 7 miles away. I hold out no hope though. I bet it'll be a waste of time.

LeapingOverTheWall · 20/01/2015 22:54

thanks Robotlover, I'll make some investigations and report back to our board Smile