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Sean

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All reviews (10)

Review of the HSBC, Fixed Rate Mortgage:

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Gets less and less of a personal service as years go by

When I first obtained a mortgage with HSBC about 25 years ago, I had a very nice lady in my local branch who stayed in touch each year making sure I was happy with the service - it was really good. But, as times have got harder and I've missed a payment here and here over the years, the bank has become the same as all the others - no personal service, everything automated and you have to explain yourself over and over and over again each time you contact the bank,. All banks are the same these days frankly. If a friendly personal approach worked 25 years ago why doesn't it now? Reviewed on: 3rd February 2023

Review of the HSBC, Tracker Rate Mortgage:

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Fairly understanding

Seem to be fairly understanding in the present climate of hardship struggles; though late payments can be followed by a bombardment of calls, texts and letters - then nothing. It's like your name appears on a spinning wheel to be targeted that week, then it all goes quiet. Reviewed on: 7th November 2018

Review of the Santander, Basic Current Account:

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Hiked up overdraft charges

Works fine, no actual problems on a day to day basis, but be warned, if you have an overdraft Santander will squeeze a monthly charge of around 30 quid out of you. Reviewed on: 4th April 2017

Review of the Santander, Basic Current Account:

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Simple with no monthly charges

I have two identical accounts, one used for my business incomings and outgoings as there's no monthly charge. Agreed overdraft charges are £30 per month, so best avoid having one if you can, as it's pretty extortionate. Generally on a day to day basis, I experience no problems and can communicate if need be online with secure email. Banking app for iPad Is good too. Reviewed on: 24th December 2016

Review of the Capital One, Classic Credit Card:

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Reminders are handu

Back in the day, credit cards were run on a bill received that soon got lost under a pile of other papers and you could easily forget to pay. Moving onto the present day, and Capital One send email reminders as well as text reminders, which really do help you to keep on top of things and not miss payments. I'm sure others may do this as well, but my experience is purely with Capital One. Online payments are made easy as well. Reviewed on: 24th December 2016

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