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HSBC are as bad as a payday loan company . . HSBC Advance Account
Review of HSBC by tim39

Advantages: Fundamentally an account that seems flexible and has value added add ons
Disadvantages: Totally disproportionate charges which worsen already difficult financial circumstances

I experienced some financial instability as a result of having the arrival of our first child and could I rely on my bank to help me in my hour of need . . . no! My outgoings were pretty even every month and I rarely used my debit card for extra spendi ... Read review

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25.03.2014 17:00
ICICI HiSave Accounts - Terrible Customer Service
Review of Icici Bank Accounts by TonyB-UK

Advantages: None
Disadvantages: Real problems withdrawing or transferring money. Terrible customer service.

...withdrawing your money from an ICICI HiSave account, which ICICI don't tell you about. You need to have a "Linked Account" - Other banks and financial institutions will allow you to set this up fully on-line within 5 minutes, ... Read review

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Thanks. I had considered getting an account with them so this is helpful by koshkha
What are their interest rates like? by Bollinger28

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21.03.2014 17:04
Dreadful service
Review of HSBC by stephenbill

Advantages: None
Disadvantages: No-one gets back to you if there is problem

HSBC took cash out of my account by mistake. When I went to the branch told me to phone the call centre and the call centre told me to visit the branch. They could not work out what the problem was so I solved it for them,and took documentation to the bra ... Read review

Ciao members have rated this review on average somewhat helpful
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somewhat helpful

17.03.2014 21:02
Lloyds 2003 purchase of Goldfish card and its implications.
Review of Goldfish Card by dickbird

Advantages: Barclaycard sevices are improving
Disadvantages: The pre Lloyds 2003 deregulation destroyed Centica's still unsurpassed Goldfish card

01.03.14 Following Lloyds purchase of my Goldfish card in August 2003, during which time Lloyds had completely deregulated every one of Centrica’s 1997-2003 'customer safeguards'. I was then subjected to an unannounced £10,000.00 credit limit rise within ... Read review

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If you spend it, its your faul, not the banks by thedevilinme

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somewhat helpful

01.03.2014 15:02
(01.03.2014 15:21)
worst Bank in the world
Review of Lloyds TSB by bijay62

Advantages: NA
Disadvantages: They wont be with you exactly when you need them.

...lot of rumours about the lloyds bank but always ignored it because I never came across a situation to judge the bank. Now i realised why people were always complaining about this Bank. I was po ... Read review

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There is no such bank as Lloyds TSB anymore. It's now Lloyds and TSB as separate banks so you'd need to put this in the Lloyds Bank category. As well as this it's not really fair to condemn a whole banking chain because you got charged for a foreign transaction. All banks do this and you should have checked before you used this facility if you were unsure of the charges. by anonymili

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somewhat helpful

27.12.2013 23:21
Why bank elsewhere
Review of HSBC by Antrot

Advantages: Great online + telephone bankng
Disadvantages: N/a

...bank with. I've been with HSBC for over 10 years and I have only ever had one very minor issue which was resolve ... Read review

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somewhat helpful

22.12.2013 22:50
Use common sense
Review of Vanquis Credit Card by jmc134

Advantages: Accessible to those with poor credit. Helps rebuild credit scores.
Disadvantages: None

...important at this point. Vanquis have just upgraded the card to Gold status and my credit score has impro ... Read review

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22.12.2013 19:34
steer well clear
Review of Welcome Financial Services (WFS) by louisejones39

Advantages: none
Disadvantages: lack of contact, unlawful

...out our 4th loan with welcome 5 years ago, secured on our property, since then he left me and is now remarried, however he contacted welcome and told them he had nothing to do with the loan, so without any contact with me they rem ... Read review

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somewhat helpful

13.11.2013 19:46
do not use!!
Review of Kensington Mortgage Company by shirleymunro

Advantages: not many!
Disadvantages: make sure you keep paperwork and notes of phonecalls as they will be denied in future

we have been clients of KM for some time and they have been OK , yet often the right hand dont know what the left is doing.....we have just completed our mortgage early and have been faced with a myriad of undisclosed astronomical fees....and requests for ... Read review

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I would have liked to know a little more about the price they charged and what specific services they said they would provide. I'm not a home owner myself so don't have any real background knowledge about mortgages but I would have expected some of that to come through in your review. For instance, was there a reason you chose them over your usual bank/building society? by KateHurst
Sorry there really isn't enough information here for me to form my own opinion on whether what has happened is reasonable. As a trained financial advisor i know that mortgage holders are often woefully "ignorant" of the process and the product they have purchased and that there are often two sides to such stories. by cr01

There are 13 other reviews on this product: View other reviews
somewhat helpful

09.10.2013 22:20
Nationwide Mortgage is a waste of time
Review of Nationwide Building Society Mortgages by imnotacanofsoup

Advantages: quick to process application (they want the fees)
Disadvantages: falsely advertising a product which they have no intention to actually offer

...financial checks and confirmed with Nationwide that they would offer a mortgage for the Right to Buy Scheme before he put the application ... Read review

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02.10.2013 13:29
Hands up to observant HSBC staff
Review of HSBC by PerfectChloe

Advantages: Proactive against crime
Disadvantages: They need to be more clear

I have been to several HSBC branches as I am a third party account user of my husbands account. Clarity One thing that happens a lot is that we book an appointment and they don't tell us what to bring along, hence we don't have the correct proof of addr ... Read review

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Online banking -' Its a bit tedious with he little devise' ??? by thedevilinme
No USP's evident. by 1st2thebar

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somewhat helpful

23.09.2013 20:38
Yorkshire Building Society are a third-rate financial institution
Review of Yorkshire Building Society by jennysmith

Advantages: Flashy public relations for themselves
Disadvantages: Awful customer service, lousy technology, poor interface, not directly part of Faster Payments

...have witnessed more bugs with Yorkshire Building Society's interface in a typical month than with all the banks and building societys I have used in a whole year combined. As other reviewers o ... Read review

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do you have your own account here or just your sister? Your review is not very clear for me. by cha97michelle

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15.09.2013 13:08
Nothing to complain about
Review of Tesco Personal Finance Loans by WilmarieG

Advantages: Very competitive rates, deferment options, early repayment or extra payments possible
Disadvantages: 1 Week turn-around so not a QUICK PAY option (still fast enough IMO)

I'm making a point of writing a review about Tesco, as I found mostly bad reviews when applying for my loan and was at first a bit dubious about taking a loan with them, but decided to go ahead based on rate. They offer great rates and great deferment op ... Read review

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The interest rate I was offered is 8.9%, slightly higher than their advertised rate of 5.1%, but still lower than some of the other loans I found for the amount I needed. Payment options were between 5 and 10 years and like I said above, I had the option to defer the first payment up to 2 months. I can also pay in any additional money at any time, by calling Tesco and making the payment over the phone, then choosing whether I want that payment to be deducted from my monthly payments, or whether I want to decrease the loan term, which in turn will also save me money on the interest. I didn't take the deferment, as this obviously costs more in the long run, and we plan on paying in the extra amounts as often as we have them available. by WilmarieG
Good advice - hope you enjoy hanging around Ciao - those pennies can help you pay off that loan :o) by cr01

There are 11 other reviews on this product: View other reviews
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13.09.2013 22:30
Great service and information for mortgage
Review of Coventry Building Society by fh2901

Advantages: UK call centres with helpful, knowledgeable staff, competitive rates
Disadvantages: Not quite the cheapest deal on the market, but not far off!

I originally went with the Coventry a couple of years ago when I bought my current house, and am approaching the end of the initial deal, so have been looking into remortgaging. On calling them to discuss their current RM deals, they gave me clear, preci ... Read review

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I have an ISA and a savings account with them as their rates are pretty much the best you can find at the moment by Bollinger28

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somewhat helpful

13.09.2013 11:45
NOT a worldwide payment system
Review of paysafecard by notpaysafe

Advantages: can be anonymous & without cards
Disadvantages: they don't honour your money

...NOT use paysafecard. I bought a paysafecard in europe to pay a european site over a russian internet connection and my money was frozen. What do you guess the stinger was to collect my money? Having to give them copies of passport, addr ... Read review

not rated

06.09.2013 10:29
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