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HSBC To Close Account after 2nd Claim!


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Well, good ol' HSBC are going to close our joint account because we are apparantly unwilling to adhere to their terms and conditions... In other words we got a refund once and now after going after less then £130.00 they have decided to end our relationship. Ok, a parachute account was set up way back during the first claim just in case this happened so no problem there.

 

It is purely retaliatory action, but is there anything we can do to stop them closing the account? Can the FSA or OFT get involved with this sort of thing?

 

Any advice warmly welcomed!

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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That's one thing I'm worried about. I went to another bank away last year to open a 'parachute' account, but they couldn't process it as HSBC have put a default thingy against me, which means I cannot open another bank account anywhere. So I'm just hoping HSBC don't close my account.

27th October: Data Protection Act 1998 Subject Access Request

8th November: Letter received from HSBC - Statements to follow

9th November: Bank statements arrive

12th January: Preliminary Approach for Repayment

22nd January: Letter received from HSBC - they will be looking into matters raised

30th January: Letter Before Action sent

24th February: Letter received from HSBC (dated 6th February) offering £240

28th February: Claim issued via Money Claim Online for £326.28 (including 8% interest)

1st March: Letter to HSBC declining offer

5th March: Notice that Acknowledgement of Service has been filed

29th March: Notice of Transfer of Proceedings

25th April: Notice of Allocation to the Small Claims Track

15th June: Court Bundle sent to Court

25th June: Offer received from DG Sols.

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I think I'll just report them to the FSA and be done with it. It's the principal that counts and that they shouldn't be allowed to get away with this sort of thing.

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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  • 4 weeks later...

HSBC have decided to go ahead and close the acc... They totally ignored my latters asking what legal grounds they had to close it down (at the advice of the FSA). As well as contacting the FSA, I have also emailed the Ombudsnman, called OFT and Trading Standards and all are about as useful as a chocolate teapot. Or a bank. I've also been in touch with Watchdog at the BBC. Perhaps I'll go to the national press next. I've had it with HSBC.

 

KJB

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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and now a word from crusher:

http://www.consumeractiongroup.c o....r-account.html

 

We all know who likes to close accounts on the second claim, we should be encouraging anyone who is in this situation to write to the ombudsman. There just might be a bit of egg on hsbc's face, and £125 in the account holder's pocket! :grin:

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