Please could someone advise with a problem ive had with HSBC for nearly 18 months.
Was in the process of reclaiming bank charges at that time and in the meantime decided to cancel all d/d,s and ingoing wages etc and transfer to another bank.
My HSBC account was in a bad way-over £4000 deficit.
My son offered to help and loaned me some money to reduce this amount owing and we also sold a lot of personal belongings.Every penny went to HSBC to reduce the amount owing.
In June 2007 we had managed to reduce the amount to just -£60.
My husband also asked HSBC to cancel the automatic payment he used to make from his business account to the current account as wages.We didnt want any payments going into this account at all as we simply wanted to get away from them.
We were informed that as we had a personal loan agreement with them, the only method in which they would accept installments was from the current account (we have since found this to be untrue).
Nevertheless, we requested that all payments from the business account to cease.Due to bad advice and mounting charges there,s never enough to pay as housekeeping anyway.
So, I was in a position of owing HSBC £60 and that would be the end of that.
However, on June 12th 2007, I checked the HSBC account via internet banking and could not believe that they had ignored this request and transferred £1000 to the current account from the business account.
So my balance (on paper only as the business account did not have £1000 to transfer in any case although he wasnt aware of this at the time), was now in credit of £940.
My husband rang them and told them of his previous request.They denied all knowledge.
He was about to ask that the whole £1000 be transferred back to the business account-but- taking into account the loan instalment and thinking he had available funds, he asked that £773.be transferred back to the business leaving £167 to cover the months loan payment.
They agreed to do this.
However, when i logged onto the internet banking the next day I cant describe how I felt to find that they had not only transferred the £773 back to the business but had made a further transferral of the whole £1000! furthermore the online statement made this appear as though they had made their transfer before we has asked for ours which just wasnt the case at all.
I have tried many times to reason with them by pointing out that, had we been aware that their transfer was made first-or even about to be made-we simply would have left this alone and merely reverted back to just £60 minus balance.
I have involved my MP( Who continues to offer support), and the ombudsman, but the ombudsman in this case is supporting this bunch of thieves.
Theywould not even freeze the account whilst in dispute and I recieve many phone calls (eves weekends the lot) to constantly harrass me.
The balance has now grown to £1,300.00
I have suplied details of my incomings and outgoings to support my argument that I cannot pay them back but Im just at my wits end with these people.
We cant even afford to shop regularly for groceries but this doesnt matter to them.
Has anyone had similar experiences or can anyone offer any advice?
Would be most grateful.