Call for HSBC evidence - T&Cs and related documents needed.

[BankFodder]

Do you have old HSBC T&Cs or other correspondence tending to show that the HSBC has historically treated their charges as penalties or in someway related to their administrative costs.

 

We owuld like to get a scan of thse documents - in single file pdf format please.

 

Email them to [email protected]

 

thanks

[jowalshy]

T&C's and the price list for 1996 have been sent.

[jowalshy]

I have T&C's for business accounts for 2002. I will try and send them over.

[jowalshy]

Hopefully the business ones are on their way. Could someone let me know whether the business ones and the other ones I sent have been received.

 

Thanks

 

JW

[freakyleaky]

text from 1996 t&c's Midland

Courtesy of jowalshy

 

 

Midland The Listening BankTerms and ConditionsIntroductionThe se terms and conditions are the contract between you and us.They:. apply if you have a personal account, including a joint account,with Midland. explain our obligations to you and your obligations to us. apply to all our services although these terms and conditions maybe added to or varied by specific conditions for certain servicesWe may change these terms and conditions at our discretion by givingyou at least one month's notice in our branches, or in thenational press or by post. The changed terms and conditions willapply from the date specified in the notice. We may also agree separateterms with you in writing.1 Opening an account1.1 If you wish to open an account with us, we will ask you for proof ofyour identity. For further details, see appropriate application form orask at your branch.2 Documents2.1 Account in your name onlySo that we can pay cheques and other items from your account wewill ask you to fill in a form (called a mandate) showing a specimenof your signature.2.2 Joint account2.2.1 If you are opening a joint account with another person(s) (such asyour husband, wife or partner), we will ask for a specimen signaturefrom the other person(s) as well.2.2.2 Where the mandate authorises any of the joint account holders toact on behalf of all joint account holders we will accept suchauthority until such time as the mandate is varied or terminated byanyone joint account holder, or by law.2.2.3 If any of the joint account holders informs us of a dispute betweenthe joint account holders, we may treat this information as notice oftermination of the mandate. Any further transactions will need theauthority of all the joint account holders. We may also ask for thereturn of any cards issued. Until the card(s) is/are returned, cardtransactions will be debited to the joint account (see also 9.1.4).2.2.4 In the event of the death of anyone joint account holder, the survivingjoint account holder(s) will be asked to complete a new mandate.Subject to any rights we or a third party may have, any creditbalance will be at the disposal of the survivor(s).2.3 Third party mandateYou can authorise another person to make payments from youraccount. If you wish to do so, we will ask you to fill in a separatemandate. Please ask at your branch for details.3 Paying into your account3.1 We will accept the following items for payment into your account:. cash. cheques or other items that are made payableto you3.2 If you want to pay in a cheque or other item that has been made outto someone else, that person must sign it on the back. We may askfor further details before we agree to accept it. If a cheque or otheritem is marked on the £ront not transferable or account payee,we can only accept it for the person it is made out to. The onlyexception to this rule is a joint account. We will accept such acheque or other item made out to only one of the account holders.If a cheque or other item is made out to Mr and Mrs Hall orJ. Hall and M. Hall and there is no joint account, it cannot bepaid into a sole account.3.3 If you want to pay in foreign currency or a cheque made out in aforeign currency, we will tell you the rate of exchange and fees wemay charge.3.4 If a cheque which you have paid into your account is returnedunpaid, the sum shown on it will be debited to your account. Wewill tell you that this has been done. Depending on why it wasunpaid, we will either ask for payment again from the bank of theperson who issued it, or return it to you. Different procedures applyfor foreign currency cheques. Please ask at your branch for details.3.5 You can pay cash or cheques into your account by post, over thecounter at any of our branches or through self-service machines. Wecan only accept liability for these items after we have received andchecked them. If you send cash to us by post, use registered post.3.6 If the total amount of the items being paid into your account isadded up wrongly on the paying-in slip (bank giro credit), we willcorrect it and credit the right amount to your account. We will tellyou we have done this, unless it was a very small amount.3.7 If items are paid into your account on weekdays, we will normallydeal with them that day, as long as we receive them before a certaintime (which will be displayed in our branches). Items paid in afterthis time or on Saturdays will be dealt with on the next workingday.4 Payments from your account4.1 We will make payments from your account if. you authorise them in any of the ways set out in sections 2 and 9of these terms and conditions. there are enough cleared funds in your account to cover the payments,or the amounts due are covered by an overdraft we haveagreed with you. We will take into account any other paymentswhich we have paid or agreed to pay from your account or whichhave been authorised (such as transactions with plastic cards anddirect debits). However, we may decide to make payments fromyour account that may cause you to go overdrawn or to go over anoverdraft limit we have agreed with you. But this does not mean wewill be willing to do so another time.4.2 Only write cheques in sterling. If you need to pay in a currencyother than sterling, we will advise you on the best way.4.3 If we make payments in a currency other than sterling, we will tellyou the rate of exchange and the fees we may charge.4.4 You may instruct us to stop the payment of a cheque, standingorder, direct debit or other item, as long as:. it has not been issued with a cheque guarantee card. the amount has not yet been taken out of your account. we have not told the person or their bank that we will be payingthemYou cannot stop a Switch payment.4.5 If your cheques or AutoCheque card are lost or stolen, or if youthink that someone has signed one of your cheques without yourpermission, you must tell us as soon as possible.4.6 When writing a cheque, you must take all reasonable precautions toprevent anyone else altering it or making a forgery.4.7 If we receive for payment one of your cheques that is more than sixmonths old, we do not have to pay it.55.25 Clearing credits and chequesOur 'clearance cycle' is the time it takes for money paid from orinto your account to be debited or credited. This section applies toour normal clearance cycles for sterling cash and sterling chequespaid into or taken out at branches of English or Scottish banks inEngland, Wales, Channel Islands and Isle of Man.5.1 Cheques you issueWhen you issue a cheque, it will normally be debited to youraccount two working days after the recipient pays it into theiraccount. For example, a cheque paid in on a Monday will normallybe debited to your account on a Wednesday. More time may beneeded for a cheque paid into a building society account or anybank outside England or Wales, or any account held at a non-clearingbank. If you issue a cheque from a particular account and it ispaid into the branch that holds the account, it will be debited thesame day. If you cash a cheque at your own or any other Midlandbranch, your account will be debited the same day. If your accountgoes overdrawn as a result of issuing a cheque, we will charge youinterest from the day the cheque is debited to your account.5.2 Credits you receive5.2.1 ChequesWhen you pay a cheque into your account you will normally haveto wait three working days after it has been paid in before you canwithdraw the money, unless we agree otherwise. For example, theproceeds of a cheque paid in on a Monday will normally be availablefor withdrawal on a Thursday. However, the amount shown onthe cheque will be included in your account balance before you canwithdraw the money. When working out any interest that should bepaid, either by us to you or by you to us, we treat cheques as being"cleared" for interest calculation purposes two working days afterthey have been paid in. If you withdraw money which is not clearedfor interest calculation purposes you may be charged interest eventhough your account shows a credit balance.Please note that it is possible that the bank on which acheque is drawn may later return the cheque unpaid. Because of thiswe may at our discretion require you to wait until we are certainthat the cheque has been paid before you are able to draw against it.This will normally be four working days after the cheque has beenpaid in.If a cheque which you have paid into your account isreturned unpaid, the sum shown on it will be debited to youraccount. If you withdraw against a cheque which is returned unpaidand your account goes overdrawn, or your existing overdraft increases,you will have to pay interest.5.2.2 CashWhen you pay cash into your account at your own branch or anyother Midland branch, you will be able to withdraw the money thenext working day. The cash is treated as "cleared" for interest calculationpurposes on the day it is paid in.When you pay cash into your account at another bank, youwill have to wait three working days before withdrawing the money.This is because it takes time for the credit to reach your branch. Thecash is treated as "cleared" for interest calculation purposes twoworking days after it has been paid in.6 Bank charges6.1 The charges we make for operating your account from day to dayvary according to the type of account you hold. We will give you acopy of the relevant price list which includes the prices of our servicesthat are used most often.6.2 We may change our prices at our discretion and will gIve youadvance notice in writing of any changes.7 Borrowing from us 7.1 Borrowing can be arranged either by overdraft or a separate loan.The most suitable form of borrowing will be agreed between youand your manager. In some cases, we may need security.7.2 You must always keep your current account in credit unless we haveagreed an overdraft with you.7.2 If an overdraft is agreed, the interest rate will be shown in a letterthat sets out the terms of the overdraft.7.3 You must not go over any' overdraft limit that is agreed with usunless you get our agreement first.7.4 We may decide not to pay a cheque or other item if it would makethe account go overdrawn or go over an agreed overdraft limit.7.5 We may reduce your overdraft limit but we will write to you beforedoing so.7.6 We will tell you the amount of:. any arrangement fee we may charge for agreeing your overdraft. any fee for reviewing your overdraft7.7 If we pay a cheque or other item you issue and, as a result, youraccount goes overdrawn or goes over your agreed overdraft limit,this does not mean that we have agreed an overdraft or an increasedlimit. You must immediately pay enough money into your accountto cover the overdrawn amount or the amount that is over youragreed limit.7.8 If your account goes overdrawn without an agreed overdraft, or yougo over an agreed overdraft limit, we will charge interest at ourStandard Debit Interest Rate on the amount by which your accountis overdrawn. We will continue to charge this rate until:. we have written to you agreeing an overdraft. the cleared balance on your account is back within your agreedlimit. there is a cleared balance on your account if you have no agreed limitThe Standard Debit Interest Rate may vary and is on display in allour branches. We will publish any changes in the national press.7.9 As well as charging interest for unauthorised overdrafts, we may alsocharge a fee to cover the cost of the administration involved (see therelevant price list).7.10 Every day, we will work out the interest you owe on the cleareddebit balance of your account. It will be debited to your accounteither monthly or quarterly depending on the term we have agreedwith you, and if we have to make demand.7.11 Unless we have agreed other terms with you in writing, we may atany time end your overdraft limit and demand that you pay anymoney you owe us immediately.7.12 If any accounts you hold with us are in credit, we may use them toreduce or repay any amounts you owe on other accounts you holdwith us in the same name (including card accounts you hold withus). If we decide to do so, we will tell you why and when it willbe done.8 Responsibility for borrowing8.1 Account in your name onlyYou are personally responsible for any money you owe us, whetherthis arises fi-om your own actions, fi-om the actions of someoneauthorised by you, or use of your self-service or AutoCheque card.8.2 Joint account8.2.1 Joint account holders are together and individually responsible forany money owed to us on the joint account. We can demand repaymentfi-om all and any of them for any money owing on theaccount.8.2.2 Where a joint account holder has an account with us in their solename, and that account has a credit balance, we can set-off thesemonies against any money owing to us on the joint account.9 Self-service and AutoCheque cards9.1 Issuing cards9.1.1 We will issue you with a card only if you have applied for it and wehave accepted your application, or we are replacing or renewing acard you already hold.9.1.2 We will issue you with a Personal Number (PIN) to use with yourcard to withdraw money from self-service machines, only if you askus to do so.9.1.3 We will issue a card to each signatory on a joint account if you askus to do so in writing and the mandate permits each signatory tooperate the account.9.1.4 We may continue to debit your account with the amount of anywithdrawal or other transaction carried out using your card, even ifthe joint account mandate is varied or terminated, until all cardsissued in relation to the account have been returned to us.9.1.5 Your card will allow you to withdraw money from your currentaccount. It must not be used to borrow money from us unless wehave agreed such arrangements with you in writing. Unauthorisedoverdrafts will be charged interest at our Standard Debit InterestRate. Other charges may be payable according to our currentaccount price list from time to time in force.9.1.6 When making or authorising payments from your account we maytake into consideration any electronic payments, such as direct debits,or any transactions you have already made with your card orauthorised. This will be regardless of whether or not these transactionshave already been debited to your account.9.1.7 You may use your card to obtain the services described in theseterms and conditions and such other services as we may providefrom time to time. All such services will be subject to such termsand charges as we may notifY you and we may at our discretionchange or withdraw these by giving you at least one month's noticein our branches or in the national press or by post. The change orwithdrawal will apply £rom the date specified in the notice.9.1.8 You authorise us to debit your account with the amount of anywithdrawal or other transaction carried out using your card whetheror not you have authorised that withdrawal or transaction.However, unless you have acted fraudulently or with gross negligence,your liability for withdrawals and other transactions whichhave not been authorised by you will be limited in the way set outin 9.3 overleaf. Your liability may also be limited by law.9.2 Looking after your card and PIN9.2.1 You must take all reasonable precautions to prevent fraudulent use ofyour card. These include:. signing your card as soon as you receive it. not allowing anyone else to use your card9.2.2 If your card is lost or stolen please tell us by using our emergency24 hour telephone number (081-450 3122) as soon as possible. Wemay ask you to confirm the loss of your card in writing to MidlandCard Services at the following address: Lost & Stolen CardsDept., Midland Bank plc, Rutland House, 1-13 RutlandStreet, Leicester LE1 1RB.9.2.3 We will ask you to co-operate with us and the police in our effortsto recover your card if it is lost or stolen. We may also discloseinformation about you and your account if we think it will helpavoid or recover loss.9.2.4 If you subsequently find your card after you have reported it as lostor stolen you must not use it again. You must cut it in half andreturn it to us immediately.9.2.5 If we have issued you with a PIN you must take all reasonable precautionsto prevent fraudulent use. These include:. never writing your PIN on your card or on any other itemnormally kept with the card. never writing your PIN in a way that can be understood bysomeone else. never telling your PIN to someone else. telling us as soon as possible if you suspect someone else knowsyour PIN. destroying the PIN advice promptly after receipt9.2.6 Please tell us as soon as possible if:. an entry appears on your statement that you believe to be incorrect. you change your address9.3 Liability for unauthorised transactions9.3.1 Our liabilityWe will be responsible for any money lost if:. your card is lost in despatch from us to you. there is a fault on a self-service machine of which you have notbeen notified by a message on the screen or a notice on the machine.Unless we can show that you have acted fraudulently or with grossnegligence, we will also be responsible for any money lost if yourcard is used without your authority after you have reported to us thatit has been lost or stolen or that you suspect that your PIN is knownby someone else.We will credit your account with any amount debited underthe above circumstances including any related interest and charges.We will have no further liability to you.9.3.2 Your liabilityYou will be responsible for any other losses, but your liability to uswill be limited to a maximum of £50. We may at our discretionwaive your liability if there has been no fraud or negligence on yourpart.However, if we can show that you have acted fraudulently orwith gross negligence, this limit will not apply and you will be liablefor all losses (including any withdrawals or other transactions madehom your account without your authority) without limit.Your liability may also be limited by law.9.4 Returning your card9.4.1 You can return your card to us at any time.9.4.2 We may ask you to return your card to us or suspend its use at anytime.9.5 Switch transactions9.5.1 If the Switch facility on your AutoCheque card is used we willcharge to your account the amount of the transaction if it is validatedby a sales voucher signed by you, or a mail order purchase formsigned by you and showing your card number, or an order has beenplaced by telephone and your Switch number (starting 490) hasbeen quoted.9.5.2 We may authorise a Switch transaction but if there are insufficientcleared funds or no agreed overdraft is available on your account tocover the transaction we shall refuse to authorise such a transaction.9.5.3 If a retailer or supplier makes a refund we will credit your accountwhen we receive their written instructions. We will not be responsiblefor any delay in receiving these instructions.9.5.4 When asked to authorise a Switch transaction we will take intoaccount any other transactions we have paid or agreed to pay fromyour account or which we have authorised.9.5.5 Payments by Switch will normally be debited to your account thefirst working day following the transaction.9.5.6 You cannot stop a Switch payment.9.5.7 We will not be liable if any retailer, supplier or bank refuses toaccept your card.9.6 Self-service machine withdrawals9.6.1 Your card can be used to withdraw cash from our self-servicemachines in the UK and in the HSBC Group network.9.6.2 Cash withdrawals will normally be debited to your account on thesame day or the next working day.9.6.3 Whenever one of our self-service machines is not in operation, anotice telling you this will appear on the screen.9.6.4 We will do everything we can to ensure that our self-servicemachines are working at all times but we cannot guarantee that theywill always be in operation.9.6.5 When your card is used at self-service machines abroad, the amountwithdrawn will be converted into sterling at our applicableexchange rate. Details of the basis on which the exchange rate wascalculated are available on request. Such withdrawals will normallybe debited to your account within five working days.9.7 Cheque guarantee9.7.1 If you issue a cheque to someone in conjunction with yourAutoCheque card, we guarantee to that person that we will pay thecheque subject to the limit shown on your card and other conditionswhich are available in our branches.9.7.2 You cannot stop a cheque supported by your card.9.7.3 No more than one cheque may be guaranteed per transaction.10 Closing your account10.1 We will write to you if we want to end our banking relationshipwith you.10.2 If you wish to close your account you must tell us in writing.10.3 We will not close your account until you have returned any plasticcards we have given you and any unused cheques. You must repayany money you owe us, including the amount of any cheques youhave issued or card transactions you have made which have not beentaken out of your account. .11 General information11.1 At least once every three months we will send you a statementshowing the transactions passing through your account.11.2 With the exception of banker's references requested from outsidethe UK (where it is not our normal practice to ask for your authorityto reply to such requests), we will not disclose information aboutyour account to a third party unless: . we are legally compelled or it is in the public interest to do so. you ask us to do so or give us your permission. it is in our interest (eg. to protect us from or to recover loss)11.3 We will not give information about you to the parent, subsidiariesor associated companies of Midland Bank plc for marketing purposeswithout your permission.A list of our parent, main subsidiaries and associated companiesis available on request. You can choose not to receive marketinginformation relating to our products and services at any time.11.4 Under the Data Protection Act 1984 you can ask in writing to seeany personal records we hold on computer about you.11.5 We shall not be liable to you for any loss you may suffer if we areprevented from or delayed in providing you with any banking orother services due to strikes, industrial action, failure of power suppliesor equipment or causes beyond our control.11.6 We may change our banking hours, our charges, banking practices,the availability of branches and self-service machines and similarmatters at our discretion by giving at least one month's notice in ourbranches or in the national press or sent to you by post. The changewill apply from the date specified in the notice.

[stax68]

I've already sent a load of stuff to [email protected], per previous instructions. Do I now need to resend it? Are incomplete T&Cs (containing the most obviously relevant bits) wanted?

[STODAD]

Hi all,

 

Just sent through the t&c's for HSBC (circa 2004) to [email protected]. Hope this will be of help, the big difference between 2004 and 2006 is the following clause is missing from 2006:

 

clause 7.13 states:

“We may also charge this fee when your bank account goes over, or further over, any agreed overdraft limit. This fee is to cover our management and administration costs (see the relevant price list for details of the fee)."

In fact in 2004's "Borrowing from us section" there are 20 clause's (7.1 - 7.20) whereas 2006 only has 10, what a big difference!!!

[Celicaman]

Hi all

 

How s about HSBC Business overdraft Offer/Conditions 2000 & 2001

Any good

 

CM

[stax68]

Please could everyone also send a copy of any T&Cs or price lists to [email protected] m. It doesn't matter what format they are in - though better quality scans are, er, better.

 

I know this is now the third email address to be given out - but this one is for a stopgap thread I've started: HSBC T&Cs HERE, and everything you send will be posted immediately - or within a few hours anyway - so you will be able to see some quick results from this one. I'll also acknowledge all emails unless you ask me not to.

 

Please note when scanning T&Cs that it is important to include every page apart from completely blank ones. We especially need the printer's info - which is usually in small type sideways next to the spine on the back cover.

 

Everyone should still send everything they have to [email protected] as well, of course!

 

cheers,

 

stax

[Kellbell]

I have sent the T&Cs from 2003, i have 2005 at home which i will send tomorrow.

 

Both state that the charges are for admin cost!

 

Can anyone tell me please if they have 2001??

 

Thanks

[stax68]

Partial T&Cs for 2001 are here: HSBC T&Cs HERE

 

Thanks for copying your T&Cs to [email protected]

 

stax