HSBC T&Cs HERE

[stax68]

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Midland Bank/HSBC Personal Banking Terms and Conditions leaflets

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MISSING - FULL T&Cs FOR ALL TIMES BEFORE 2003.

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If you have any, please scan them and post images on this thread, or email images/pdf to stax68.mail@googlemail.com.

Make sure you include the printer's info which is usually on the back cover in small print.

There is no print info for the 1996 version. If you have these T&Cs, please check the back and inside-front covers,

scan the relevant page - or the whole document -and post it here or send to stax68.mail@googlemail.com.

 

 

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THE MOST USEFUL BITS

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Some suggestions for the 1996-1997 version are in post #49: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/95312-hsbc-t-cs-here.html#post883209

It applies broadly to all of the subsequent versions until the major rewrite in Dec 2006.

 

 

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UPDATE: ALL T&Cs ARE NOW AVAILABLE AS PDF FILES - a lot easier to use than picture files

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The PDFs can be reached via the links on the right hand side of the list below.

Most of the PDFs have selectable text, but copied and pasted text is garbled in some cases.

 

To view and print PDF files you need Adobe Acrobat Reader, which if you don't already have it, can be

downloaded here: Adobe - Adobe Reader Download - All versions. Make sure you clear the tickboxes

asking if you want to download adobe photo album, google toolbar, etc - unless you do want these, which

is unlikely. If you find Acrobat Reader runs very slowly or gives you any other problems and you are using

Windows, an alternative is Foxit pdf reader. This link downloads the installer: Download Foxit Reader 2.0

 

I won't be posting any more images from now on, only pdfs. Info on saving or printing the existing images, and some

other stuff, is in post #50: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/95312-hsbc-t-cs-here.html#post883383

All images are also available here: stax68 - Photobucket - Video and Image Hosting

 

 

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WHAT THE DATES IN COLUMN 1 MEAN

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1996 T&C:

The month is not known. The year is based on hearsay, though there's no reason to think it unreliable.

The format and Midland Bank brand provide good reason to think that they're no later than 96 in any case.

 

All partial T&Cs (extracts):

the date is based on info supplied by the legal dept. of a certain High Street Banking Company.

These should be taken as the date when the T&Cs took effect for existing customers.

 

All changes to T&Cs, and 2006-12-01 T&C:

the date the T&Cs took effect for existing customers, based on info from the front cover of the leaflet.

 

All others:

the publication date taken from the printer's info on the back page, where it is specified in the format MM/YY.

I suggest assuming that the T&Cs took effect for existing customers between one and four months after the print date.

 

This assumption is based on the following:

 

1. In the section about the issue of new T&Cs, the T&Cs state: If the change is to your disadvantage, we will tell you

about it personally at least 30 days before we make the change.We may make any other change immediately and tell

you about it within 30 days. If we make a disadvantageous change, you may, at any time up to 60 days from the date

we tell you of the change, switch your account or close it. This makes it likely that the T&Cs take effect at least one

month after issue.

 

2. The only examples where the dates can be compared are the two Changes to T&Cs leaflets. In those leaflets the

publication date is the same as the date when the T&Cs took effect for new customers. The T&Cs took effect for

existing customers 3 or 4 months later.

 

 

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LIST OF T&Cs POSTED SO FAR

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NOTE: ALL T&Cs ARE AVAILABLE IN PDF FORMAT -----> -----> -----> -----¬/

Month.. Print code..... Type.... Imgs Pgs Source.......... 1st post LINK TO PDF FILE

------- --------------- -------- ---- --- ---------------- -------- ********************************

1996-?? ?.............. Complete 25.. 25. scan of original 51...... 1996 HSBC T&C.pdf

1996-?? ?.............. Complete TEXT ... ................ 3....... 1996 HSBC T&C.rtf (Rich Text)

1997-01 ?.............. Extract. 3... 3.. dg photocopy.... 4....... 1997-01 HSBC T&C - part.pdf

1999-01 ?.............. Extract. 3... 3.. dg photocopy.... 5....... 1999-01 HSBC T&C - part.pdf

1999-09 ?.............. Extract. 2... 4.. dg photocopy.... 6....... 1999-09 HSBC T&C - part.pdf

2000-10 ?.............. Extract. 2... 4.. dg photocopy.... 7....... 2000-10 HSBC T&C - part.pdf

2002-07 ?.............. Extract. 3... 6.. dg photocopy.... 8....... 2002-07 HSBC T&C - part.pdf

2002-09 ?.............. Extract. 3... 6.. dg photocopy.... 9....... 2002-09 HSBC T&C - part.pdf

2003-06 MCP18139 06/03. Changes. 10.. 10. scan of original 10...... 2003-06 HSBC T&C - changes.pdf

2004-08 MCP21428....... Complete 48.. 48. archive.org..... 12...... 2004-08 HSBC T&C.pdf

2004-12 MCP21424 09/04. Changes. 10.. 10. scan of original 56...... 2004-12 HSBC T&C - changes.pdf

2005-08 MCP24515(08/05) Complete 47.. 47. archive.org..... 61...... 2005-08 HSBC T&C.pdf

2006-12 MCP27762 12/06. Complete 47.. 47. hsbc.co.uk...... none.... 2006-12 HSBC T&C.pdf

2006-12 None........... Complete 25.. 48. scan of original none.... 2006-12-01 HSBC T&C.pdf

 

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PLEASE SEND ANY T&Cs, PRICE LISTS AND FACILITY LETTERS TO stax68.mail@googlemail.com

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