To expect to be able to get my own money out of the bank when I have a bank card,photo ID,and my account is in credit???

[wrinklytum]

Grr.

The story.DP and I have a joint account that we pay all the bills and mortgage from.

It is in credit and we have never been overdrawn.

I do not have a PIN for the account,to avoid temptation of dipping into it.The last one we got through we both agreed not to use it,and destroyed it.

We have a cheque book but I had used the last cheque to pay for dd nursery fee and a new one hadn't arrived yet.

So I go to well known high street bank today to withdraw some money to pay joiner for some repairs we are having done.

I have dd with me who has LD and all I had gone into town for was to get this money out.

Did the bank let me take it out?Did they B%%%%%%%%!!!

After I had seen the initial "Customer Service Representative" (Pah,thats an oxymoron if ever I heard one) I asked to see manager,which entailed a 45 min wait,with dd whose volume levels went up a bit.Again,she refused citing the fact that I had had 1 withdrawl previously about 8 months ago without having had a chequebook with me,and it was "Against company policy".WTF??

So in the end I had to go on a 12 mile detour to my account named branch to withdraw the money.I was FUMING!!!

So,AIBU?Oh,and by the way,HSBC,you are a bunch of **.

Bloody ridiculous

Just silly. But many moons ago I remember Midlands (as HSBC was) refusing Mum the money to get food for us because they ahd just paid out X thousand to somebody for their daughters wedding- and had run out of cash. Not having a car that was that and Mum had to borrow eggs and potatoes for us; so even after 20 years I still feels mum's embarassement LOL!

Anyway!

more relevant things- I am with another bank but recently ahd to be checked to pay money IN! WTF?

Barclays would let my dad have money out of his account with a cheque...as I am a signatory on his account they let me though - as they had my signatoure in the branch. They wouldn't let him as he didn't have I.D.

He has ponly banked with that brach for 45 years so not long enough I suppose

Tell me the logic in that ?

wrinklytum, I bank with HSBC as well.

I recently took out more than a thousand in cash from my HSBC account. So did dh. Separate transactions, separate branches, different HSBC accounts. Both no problems at all.

To be sure, I called their phone banking call centre. Spoke to 2 different officers who said the same thing. You just need to bring your cheque book down. If you want to withdraw cash of more than the daily cash machine limit of £200 but below £5,000, you need to bring photo ID.

When I was at the counter, loads of customers were ahead of me withdrawing large wads of cash. The customer in front of me in fact cleaned the branch out of £50 notes. No one had problems.

Yes, everyone had their cheque books with them. I had to write the cheque out the 'Cash'.

I am afraid it is standard procedure. And quite sensible I would think. It is easy enough to get hold of photo ID and a lot of people don't look anything like their photos any more. But to get photo ID and a chequebook is more tricky.