Weezypoos v HSBC / WON

[jowalshy]

sorry Weezy...

[jowalshy]

Nice one Jo. Where is the newcomers thread now then?

 

 

I Don't know. I just used the search button.

[weezypoos]

Don't be sorry, I think you guy's are great! I'm slowly easing back into the swing of things round here!

[jowalshy]

Hese is the updated POC for N1:-

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/107637-new-hsbc-pocs.html

[weezypoos]

Right, thats the prelim and schedule of charges sent now. 14 days... tick tock... Total of £1560 and £130 charges.

 

I actually rang HSBC a couple of months ago as we were desperately trying to get back on top of things. We lived off my husbands wages and after bills, left about £400 a month in HSBC of my wages to pay back the OD. I asked if they could reduce or suspend the charges as they could see the effort we were making. The guy at the other end must have been killing himself laughing and he just said, "after reclaiming £3500, do you really think we'd consider that"?

 

Guess he was right but now I'll ask for £1500 instead then!

[weezypoos]

Morning all,

 

Shock horror's, I would like to close my account with HSBC. Apart from actually going into the branch, do you think I can close it in writing and if so is there any standard wording I should be using? There is an overdraft on there which will be paid. I really want it closing as if I win my 2nd claim, I don't want them paying the money into that account!

 

Thanks!

[Castlebest]

I think it you just write telling them the account is now closed with a cheque for the balance outstanding there isnt a lot they can argue about.

 

pete

[freakyleaky]

I think you are right Pete. I don't think you have to give notice of closing an account! Could be wrong though. I suppose the T&C's would tell you.

[jowalshy]

I have had a quick peruse through the T&C's and it states:-

 

12.1 If you wish to close or switch your account, at any time, you or all of you (for joint accounts) must tell us in writing or via our Internet Banking Service or, in the Channel Islands, by going into your local branch. We will not cloase your account until you have returned all cards we have issued to you on the account, having cut them into at least six peices, and unused cheques.

 

12.3 We may require you to repay any money owed to us, including the amount of any cheques you have issued, card transactions you have made and which are paid by us after closure, and any charges incurred.

[freakyleaky]

Nice work Jo!

It looks like there is no notice required then! As long as you comply with the above you can do it today!

[jowalshy]

Ooooops missed a paragraph (typing to quick for brain again)lol

 

12.2 Additionally, for a period of 14 days after the date we open your account, you have the right to cancel your contract with us by closing your account. We will give you all your money back together with any interest it has earned.

 

If you want us to help you switch accounts. For applications completed by telephone, this period will start from the date you receive the terms and conditions in the post. You can tell us you want to close your account by writing to us at PO Box 757, Hemel Hempstead, HP2 4SS, or via our Internet Banking Service. We will ignore any additional charges and any notice period that applies to your account. If you have a joint account, all of you must tell us and, however you do so, you must clearly indicate that you wish us to close your account.

[weezypoos]

Fantastic, many thanks everyone.

 

I think I may struggle witht he returning of cards though as I cut them up and threw them away a few weeks back!

 

Whoops!