DSC stands for the District Service Center Thanks Pete I tried that already but no joy

Hi Does anyone have any contact details for Angela C Harries, centre manager for DSC? An email address would be good, Ive tried using her first and last name in the email address but they get bounced back.

I've refunded the customers in full, so I'll add the charges to the compensation thanks

Yes they are being charged £15

Thanks for the help and replies I forgot to mention one of the managers raised a service failure and put a compaint on my account. I couldnt find out what a service failure actually means, probably just as its sounds? The last letter I have is requesting me to write back to HSBC to discuss compensation. This letter also has one of the senior managers contact details so I'll write the letter of complaint to him direct.

I applied for an HSBC business account in November over the phone and was accepted. I received a letter from HSBC a couple of days later asking for confirmation of name and address, some bank statements and a signature. So I sent back full drivers licence, council tax bill, and bank statements and signed the box to provide a signature for the account. I left it a couple of days and phoned back to see how the application was going and was told the account was now open. A couple of days later I received 2 cheque books and a pay in book. 3 days after this I received another letter from HSBC asking me for confirmation of name and address and some bank statements. HSBC had already returned my original docs with the cheque books and pay in slip. So I called them up to say I had received the letter and that I had already supplied those documents and that the account was opened. I was on the phone for half an hour and HSBC didn’t want to accept I had already sent those docs in and wanted me to resend them; they put me on hold several times and eventually said: "All you need to do is go to your local branch with your passport and they can open the account right now" The account is already open I said, but HSBC said they could not open the account until I went to my local branch with my passport. I told them it was some 40 miles to my nearest branch and knowing the account was already opened I said are you sure this is all I need to do? They then got quite ratty as if I wasn’t listening to them and said yes go to your branch. So closed business and went to local branch, explained to the branch what HSBC has said on the phone, so the branch called HSBC and when they got off the phone said to me I needed to provide proof of name, address, bank statements and a passport. I got angry because they basically just sent me on a wild goose chase. I asked the branch to phone up HSBC again and speak to the person I was taking to who, half an hour ago, said go up with your passport only. They finally got speaking to her and see also said I needed more than just my passport. I asked to speak to her and after spiting teeth at her she said she "didn’t know what was happening and the account opening team wanted utility bill, bank statements" HSBC said the account opening team would call me back; they wouldn’t just put me through to them there and then? So I made an appointment with the branch manager who could only see me at 4pm. I went back to my business and phoned HSBC back up to say I was expecting a call from the account opening team and just calling to make sure I hadn’t missed them. When I asked to speak to the account opening team, the guy I spoke with said there was no account opening team, they could open an account right now and my account was already opened. HE said I had come though phone banking, correctly identified myself and the account was fully opened. I said I don’t know whether to leave things as is or explain what had just happened this morning with the letter and the branch, but decided to tell all, he still said the account was fully opened and I did not need to provide any further info. So I was relieved in a way but still angry they had wasted my time but left it at that and cancelled the appointment with the bank manager. When I came off the phone I wrote 4 cheques, one to Fedex for customs and excise charges, one to a credit brokers for a new credit brokerage account to be able to offer finance, another one for business insurance and one to an office consumables supplier. What I haven’t mentioned so far is that I had already deposited £4000 into the account. The cheques added up to just over £1000. I used phone banking to check my account daily because I wanted to see how long cheques were paid and after 5 working days nothing had come off my account, so I phoned them up again and explained I was waiting on 4 cheques coming off my account, one I know had been presented the credit brokers bank 4 working days ago. They said no cheques had been presented to my account and they would probably show soon if they were already banked. Still nothing on day 6, phoned them again and got the same reply from a different person at HSBC. Both had also commented the account was open. Still nothing on day 7 so something definitely wrong, phoned again and spoke to a different person at HSBC who said they had all been returned already last week!! I asked why they had been returned when there were more than enough funds in the account; she looked into it and said the branch did not have a signature for me. So now I’m about to launch somebody through a wall. She said if I go to the branch with my passport and tell them I need to provide a signature for my account they would be able to sort this there and then and any future cheques would be cleared, also commenting there may be charges on my account for the returned cheques. I’m thinking let’s have a spelling contest instead. Closed business again and went to local branch with passport, they took my signature and put a note on the system that I had provided a signature and also put a note to say clear any of the cheques if they were represented and clear all future cheques, funds permitting. Went back to business, sent up a Paypal direct debit and sent a Paypal echeque to a supplier for goods, and send a further 7 cheques to customers for refunds. It normally takes 3~4 days for these to come of your bank account so on day 5 I knew there was something wrong again. I phoned HSBC and asked if there was a problem, they said it had not been presented to my account yet. I’ve heard that before so I phoned up again and spoke to someone else and she said “you need to go to your branch with your passport, utility bill and bank statements” I spent 20 mins explaining I had already been there twice and also provided those docs with my original application, also explained I had been told numerous times by HSBC the account was open, the branch has put my signature on the system and the branch said all future cheques would be cleared, She said sorry none of them should have said that to me and that I still needed to go to my branch with my passport. I was now extremely concerned about the 7 cheques I had just sent off so I asked would they be cleared and she said no and there was nothing she could do until Tuesday, this was on Thursday after noon and the cheques would most definitely have been returned by next Tuesday. So I said well if I go back to the branch for a 3rd time with these documents will they be able to sort this out once and for all and she said no “it has to be the account opening team” I had enough so asked to speak to a manager, she didn’t want to put me through but got one who then told me my account was fully opened and I didn’t need to provide any further documentation!!! I said fine, can you transfer all my money to another bank account and only when she tried to do this the computer said there was an inhibit on my account, which meant I could put money in but not out. She also said the only people who could remove this inhibit was my local branch. I told the supervisor the loads of different stories I had been told, “the branch can’t do it, the account opening team can only and vice versa” and she said that’s not correct, only the branch can remove the inhibit. The supervisor could also see I was verified and had identified me correctly with the security I had set up on the account. She said she would phone the branch and sort it out tomorrow morning and call me back, I asked to agree on a time and we agreed she would call me before 10am. So I went to work next day at 8am and sat for 2 hours doing work and waiting on the phone call, 5 past 10 I decided to call and they wouldn’t put me through to the person who was supposed to be phoning me but checked the system and there was a note to say the supervisor had tried calling me THREE times before 10am. I said no one had phoned me I’ve been sitting next to the phone for 2 hours and asked them to check the contact number which they read back as correct. I again asked to speak to a manager and they put me through to their commercial liaison department. They said they would look into it and call me back in the afternoon but no phone call so phoned them back and they had “sent an email to the branch manager and were waiting on a reply” I asked to speak to one of their managers who seemed to be a bit wiser and spent 20mins looking into in and phoned me back. She said the problem might be that when I opened the business account, HSBC also opened a savings account for me and there was a mix up between the 2 accounts as the savings account didn’t have any signatures or proof of address or anything. She took this up with her supervisor and on Friday, they removed the inhibit from account, they also said they could see the Paypal payment coming off my account on Monday and the cheques so all would be fine now. Phoned up phone banking on Monday and my balance hasn’t changed? So I phoned up and spoke to the manager who I had spoke to on Friday and she said “the account opening team have put the inhibit back on your account and bounced everything back” I’ve since been back to the branch, spoke with the branch business manager, I took everything this time and watched him put everything on the system, he also removed the inhibit once again. I now have a letter from HSBC apologising and offering “compensation” The problem I have and would like advice on is do I deal with this myself or get a solicitor involved or can this forum help? Someone has already advised me and said I should be able to hit them hard with a solicitor. The Fedex cheque they bounced has now been passed to a debt collection agency; they were very quick off the mark even though I forwarded them about HSBC’s errors. This has also gone on my credit file The Credit facility application had been closed because HSBC has bounced the cheque which was the opening fee; this alone has probably cost me well in excess of £100,000 per year in business. All my customers refunds have been bounced and they will probably have been charged fees to their account, it also puts me in a very embarrassing situation with my customers, although, I have already refunded their payments by other means. The cheque I sent to an insurance company which was bounced by HSBC has put my account into default with the insurance company and they have sent me a default notice. Another useless company I Told them of the problems I was having with HSBC and warned them the payment might now clear.

Hello Ok, it will take a while to type up but I'll be back

Hi all I've been reading the forums for a while now and normally use search to save asking already answered questions. Can you post here about problems with HSBC that dont have anything to do with bank charges?