I opened my first account about 10 years ago, the advisor gave me the talk about their 'advance account' and that this is the account for me (I started with saying all I need is a debit card and internet banking), nontheless I was given the advance account, because this is the only one that 'suits my needs', as this was my first ever account I didn't know anything about bank accounts, after about a year or two of me paying a monthly fee for the account with 'benefits' that I wasn't even using, I realized that non of my friends are charged for having a bank account, so I went into the branch and told them I don't want to pay for this, I had to tell the advisor several times as he continued to repeat the stuff about the amazing 'benefits' the account comes with, eventually the account was changed to a free account. I never even thought about this until last year, when I read up on packaged account misselling. I raised this with HSBC, they sent me an extremely detailed form to fill in and send back, which I did. A couple of weeks later I received a completely generic letter with points, non of which were relevant to my case, and statements like 'all of our advisors follow our process to the letter', suggesting that they never mis-sold a packaged account in the history of the company, all this in a tone suggesting I'm a liar and instead of raising this complaint I should have played with the toaster in the bathtub.
I was stunned, I did not expect this kind of treatment from the bank I have been with for over a decade, so the next day I opened a savings account at my other bank and moved all of my money out of HSBC.
Don't get me wrong they are an ok bank, the service is adequate, but if you have a problem, you are on your own, they don't care about you, they don't even want to hear about it.
Reviewed on: 11th September 2017
We signed up a couple of months ago, after looking for a pet insurance for our dog for a few days we decided to go with Healthy Pets, as their service and price was the best value we could find online. The signing up process was super easy, all done online, they set everything up in very little time. It was truly easy and a great experience.
Reviewed on: 30th August 2017
