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kimberleybelle

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Review of the HSBC, Bank account:

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Fair at times.

I have had ups and downs with my bank over the 15+ years I have been with them. I have had nasty hidden charges that I was unaware existed, but I have also have a small amount of compassion from the bank. I have been overdrawn on an unarranged overdraft in the past. A couple of times I have explained my situation to the bank, and they withdrew my charges. I am not entirely happy with the set up of charges of unarranged overdrafts. I have argued before that if the money is not in my bank, and I did not ask for an overdraft, why do you allow companies (direct debit for example) to take the money, then rendering my to an obscene charge of £25 for £10 over! I feel this is just a way for the bank to make money off my unfortunate circumstances and have argued with them about it in the past, begging them to not allow any money extra to be withdrawn at any time as I do not want to get into debt of any kind. On another note, i like the online banking, although the little gadget for the password is an utter pain. I have to take it with me everywhere and it's not very pretty and very easy to lose! I have had trouble trying to get a bank card after i've been travelling abroad - it has taken over a month so far and I still do not have the card. Customer service reps I have found to be hit and miss - some will do what they have said, others may tell me one thing and do another. That is frustrating. Overall my experience with HSBC has been hit and miss. They have shown compassion at times by wiping charges when I am in a tough situation, but charges I found to be misleading and unnecessary. Reviewed on: 18th January 2015

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