I am married to belinda9 on here. I don't get much chance to write an op as she's always on here, bo...
I am married to belinda9 on here. I don't get much chance to write an op as she's always on here, boo hoo.
Member since:24.02.2001
Reviews:44
Members who trust:9
If my ex-wife is reading this by any chance, KEEP YOUR HANDS OFF MY MONEY.. Sorry about that, I feel much better now. I'll begin my little story now. In 1987, my ex-wife and I bought the house Iam still living in now. We got a mortgage from the then Midland Bank, now known as Hsbc. We were originally with another bank and had got into difficulty paying the repayments, so then we transferred the mortgage to the Midland.
We had an endowment to repay the debt off, plus another mortgage. Also we took out life policies. Over the years, everything was running smoothly, until in 1993 my wife left me to go off with someone, even though she won't admit it.(they never do), she is now married to him. Later in that year , I met someone else, who several years later I married, and am now still married to. One day we
went to the Hsbc, to have a financial review of my account, and my wife noticed there were several payments coming out of my account which didn't tie up with anything.
When we questioned this, the financial planner said, she wasn't sure what the payment of £40 a month was for. I must admit, I didn't know as I have so many direct debits, that I never check to see what is going out. She then came back and said it was for an endowment policy, with nothing attached to it, she said it was their mistake and it should have been cancelled years ago. Somewhere along the line, we had swapped mortgages and allsorts of things, that we didn't know what we were paying. The financial person said if we wanted to carry on paying the £40 a month, we could have the money in years to come, which by the way should have been on the 4th of July this year.
Seeing as though we hadn't missed the £40 we decided to carry on with it for 8 more years, at the end we should be getting £6,000. One thing though was my ex-wifes name was still on it, we produced a letter from her solicitor to say she wasn't entitled to anything more than what i was paying her for half of the house. This was letter headed paper from her solicitors and signed by my ex-wife. The Hsbc woman said , at the maturity of the policy, they would sort this out and not to worry. I carried on paying it, with assurance from them, only verbally though, that I wouldn't have any problems with the money owed to me.
Years later, in the month of May, 2001, I got a letter asking for my ex-wifes signature releasing the monies to me. Why did they send it to me, did they think I had hid her under the bed?. I haven't seen her for 8 years, not that I'm bothered, and I certainly don't know where she lives. All I know is that she has remarried and living in another area. I told the bank this, then I got several phonecalls. I went down to the bank, and the lady who had been dealing with the policy all along, the lady who knew about their mistake, rang the maturities dept and whispered, "It's our fault you know". Still no joy, they said the letter releasing my ex-wife from all entitlement from the house, wasn't drawn up well enough, it should have been done more professionally. How on earth would we know that.
Weeks later, getting closer to the final date, I received another phone call asking the whereabouts of the ex missus. I told them the full story, they assured me everything was going smoothly, and the cheque should hit my account on the 4th of July. I even told them we need this money, as we have got a car on options to pay off in another few months. The day after, I got another letter wanting the original policy, well seeing as though this should have been cancelled over 12 years ago, I throw the paperwork away, or better still my ex-wife nicked it along with my will.
On the 4th of July, I checked my bank account, yes you've guessed it, no money deposited. A few days later, I got another letter addressed to "The Occupier". I opened it not knowing what it could be, it looked like junk mail. It was from a trace company, asking if I knew the whereabouts of a Mrs... Bloody hell, they must think I have buried her under the patio. They must not believe I even live here, as it wasn't even addressed to me. So the saga goes on, if the trace company finds my ex, she will have to either sign to release the money to me, or not sign and try and nick half of it. I wouldn't mind but she must have only paid a bit into it, my now wife is more entitled to it, seeing as though we have been together 8 years. Well she can keep her thieving hands off, she still owes me money anyway.
I feel much better thankyou for reading.
P.S The Hsbc, made another mistake earlier this year, I got a £700 rebate for something else they were taking out of my account unknowlingly and no I'm not that rich that I don't know what I've got. If they don't sort it out, I will take my mortgage elsewhere.
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Hi, this is an old review but I wanted to revive it by telling you that I am currently a HSBC customer and over the last few years I have had nothing but trouble with them, Im in the process of complaining to them at the moment. I think Ill write a review about my experiences to warn people. Good review.
MRSCANADA 01.04.2002 21:21
Good op..LL
theo0221 27.01.2002 16:45
I'm a HSBC customer and i was surprised of your op.My friends are with HSBC and they do not have probs what so ever.
I feel sorry about your situation and i think that we are very lucky so far.
Very good op anyway.
Cheers.Theo
Advantages: lots of ways to use the bank (online, phone) , customer service (phone) excellent, don't push you into things Disadvantages: sometimes branches are not as accesable as others, occasional waits on the phone
adele1476 02.01.2002 ·
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Ciao members have rated this review on average: very helpful
Review of HSBC
Jul 16th, 2001
very helpful by (94%):
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