HSBC - Your opinions

[Abdul]

Originally posted by coopster1974

If only, I think we're bucking the trend where I work. Overseas offices are closing and we're taking on their work!!

 

Hey that's risky...with a population of over 1billion, HSBC wouldn't want the Indians to be taking their business elsewhere.

 

Say Hi to Jonathan (the IBM engineer) when you next see him

[DaBouncer]

Originally posted by coopster1974

At the moment - watch this space...........

LOL just cos you work for a s*** company

[Abdul]

Originally posted by Lickszz

He needs to train the people whom the jobs will be outsourced to first.

 

I did read (on this forum, I think) that the trainers would fly over there on separate planes (in case one crashed) but would fly back together...hmmm

 

Take care coopster, and be wary if your bosses over you the chance to go over there

 

 

Here is the post and here is the thread it came from.

[Jamie]

IMHO:

 

Banks are pretty much all the same.

 

They're just there for their own benefit (not yours) to make LOTS and LOTS and LOTS of money (for them not you).

 

They 'understand' all too well ... that is they understand the business of making a profit ... they don't give a rat's ass about you or anyone else Pauly ... (and why should they care ... is there any profit in caring?) ... and the degree to which they'll be nice to you will be directly proportional to how much profit they can make from you.

 

People just don't care anymore ... money is way more important than human life / human happiness.

 

That's just the way it seems to be.

 

Not that I like it either.

[ToryCynic]

My two pennyworth:

 

Halifax - IB is second-to none, shame that cannot be said for their branch banking.

 

HSBC - Diabolical, and I mean diabolical.

 

DDs - Pot luck weather that "work" or not, the branch staff are OK, their telephone banking is a joke - it closes at 2200!

I'm not impressed with their layout of their IB either.

 

Lloyds-TSB: They're friendly, efficient, IB seems OK. Telephone banking seems OK.

 

Natwest: I wouldn't give them a chocolate fireguard to look after, never mind finances. I have heard that money goes missing and allsorts of poor things with them.

 

 

Side notes:

 

Woolwich and Barclays are practically the same people - Barclays own Woolwich.

 

First Direct and HSBC are the same people.

 

When Lloyds and TSB merged the way it worked was:

 

TSB shut and merged with Lloyds, they now have Lloyds and TSB staff in the same building using Lloyds' way of banking, with TSBs computer sytem.

 

When I joined Lloyds-TSB, they scanned my signature on the computer. HSBC do not hold a copy of my signature anywhere....

 

Alex

[ToryCynic]

Originally posted by Pauly

I had been feeling this way for a little while, and although HSBC had been a little more welcoming and helpful since I left my 'student' status behind, today they finally made me realise that since they changed from being Midland Bank to HSBC they truly stopped being 'the listening bank' and became a cold financial organisation that has little time for it's customers when they need help.

 

Since I started my new career things have been tight and I've tried to budget myself since I started work but it's not easy as I'm still on a fairly low wage and in the last couple of months I've gone into my overdraft by a few pounds when the bills have been coming out. Nothing above £50/£60 but it's happened twice in the last two months and the bank have been charging me, as you'd probably expect.

 

With Christmas coming up I only had a budget of about £60 until the 23rd of the month when I get a couple of wages in and my rent has gone out but thanks to a badly timed direct debit I was charged £30 for the bounce and a further £36 for being overdrawn for a couple of days last month. With this direct debit going out I would've been overdrawn for a maximum of 3 days before my next wage went in to put me back in the black. I've had this before and I spoke to one of the advisors about it. At that time she agreed to refund the charges as a goodwill gesture and I'd hoped that this time I would be able to explain the situation and that someone might be able to help me out. No such luck. I went to the girl at the cashier's desk and asked to speak to someone about my bank charges. She came back after a couple of minutes saying that there was nobody available as they were in meetings. I explained that I needed to speak to someone because I'd budgetted for Christmas and the charges had completely wiped out the money I'd put aside and now I'd have no money for presents or going out over Christmas. She went back to the managers and came back saying that nobody had time and even if they did that they wouldn't talk to me about 'just bank charges' anyway. Now that's customer service isn't it!

 

When I was a student I had a bit of a problem once where I had no money for food and the bank refused to talk to me about it or help. They just said, sorry there's nothing we can do. For a company that claims to know alot about it's customers they are desperately lacking in understanding. I spoke to some woman on the phone when I got home but she said exactly the same that because I'd been overdrawn this month and last that she was unable to help and was very abrupt with me on the phone. In the end i told her that I'd had enough and put the phone down. Not really my style as I'm generally quite polite and friendly on the phone but I'd had enough of being treated like a kid who needed to learn the hard way.

 

I've made an appointment with Lloyds TSB for Friday where I intend to open two new accounts, one for bills and another for spending and I'll be transferring everything over asap. I'm certainly not the worst customer HSBC have had and I never give them hassle on the phone or in the branch but clearly someone like me who doesn't have alot of cash is less important to them than their richer customers. I heard a saying a little while ago about banks. They're like someone who gives you an umbrella when it's dry weather and takes it away when it's raining. This statement certainly applies to HSBC and I'm sure I'm not the only one to think this.

 

Rant over.

 

Sounds like you have had it pretty crap with the world's "local bank" (the world's most moronic bank may possibly be a more apt name for them).

 

9 months with HSBC was long enough to realise how poor they really are.

 

I've made an appointment with Lloyds TSB for Friday where I intend to open two new accounts, one for bills and another for spendin

 

Yup, you'll never look back.

 

What also pees me off is in Bexleyheath, all of the banks are next to each other. Halifax, Barclays, Aliance and Leicester, Abbey and a bit further down the road Lloyds TSB, Nationwide, Woolwich.

 

HSBC - 3 miles - literally down in Crook Log - FFS!

 

Alex

[coopster1974]

Originally posted by amhudson119

When I joined Lloyds-TSB, they scanned my signature on the computer. HSBC do not hold a copy of my signature anywhere....

 

Alex

 

Are you sure? They should do. You will have either completed a signature card upon opening your account or they will have mentioned it at some point.

 

The sigs are scanned in and SHOULD be used to compare against whenever you sign owt.

 

Might be worth asking about next time you speak to them just to clarify things.

 

Anyway back on track - It looks like most banks shaft some people some of the time. It therefore makes sense to stop using banks altogether and utilise the mattress!

 

Damn! That would put me out of a job...........how do I edit a post?

[DaBouncer]

Originally posted by amhudson119

....some crap.... blah blah

 

Alex

And there we were hoping you'd keep your word and not use Sheffield Forum again after your post on Digital Spy the other day.

You remember the one.... you were whinging about t020 getting banned and complaining about this forum.

 

Here it is in case it's slipped your mind

[ToryCynic]

Originally posted by Dirk Diggler

And there we were hoping you'd keep your word and not use Sheffield Forum again after your post on Digital Spy the other day.

You remember the one.... you were whinging about t020 getting banned and complaining about this forum.

 

Here it is in case it's slipped your mind

 

Fair enough.

 

Possibly "leaving" is not the correct word - "posting less" is maybe what I should have put.

 

Alex

[xafier]

Originally posted by amhudson119

When I joined Lloyds-TSB, they scanned my signature on the computer. HSBC do not hold a copy of my signature anywhere....

 

I'd like to bet they do mate... when I went to pick-up my credit card from the branch they made me sign a slip... the women went into the back and came back out and said my signiture was ok... so I questioned her, and she showed me on the screen...

 

she said it was quite surprising my signiture hadnt changed that much since I was 11 when I opened my account... lol...

 

HSBC have been ok with me so far, last month I was in a bit of a bind cus of my tuition fees were going to come out and it would have put me over my overdraft limit, my mum was giving me some money to cover my fees but I wasnt sure if it would go in before the money came out...

 

rang HSBC up in a panic and the woman said not to worry as from what she could see my tuition fees wernt due to come out in the next 48hrs so there was a chance I'd be ok, and if they did come out before the money went in then if I rang up the finance section they'd most likely sort things out and forget any charges as I'd made an attempt to cover things...

 

to be honest I think all banks suck, but at least HSBC aint making no money from me at the moment as I'm in my interest free overdraft and not in credit... lol... although hopefully i'll be back in the black soon once I get paid and I get my student loan!

 

Roll on the end of the month!!