JH in California said: “I bought an apple computer in Sept 08. It was stolen from my car while unpacking. I had bought their insurance from Best Buy. I filed the claim and sent all paper work to HSBC. When I called customer service I got someone in India. Previously I had sent all paperwork requested via U.S. Mail. I was told HSBC didn’t receive it.
So I faxed it the next time and called customer in India again. I got a rep and wrote her name down. The date was 3-23-09. I talked to Lakshimi she said that HSBC received all the information that was faxed and requested that the file be reviewed again. Now I got a letter stating my case is closed with out resolving the claim.
One note – The replacement was financed and insured the same way. I guess now I won’t pay until the claim is finished. I’m going to copy this note and send it to them. I want this resolved now! I have been paying for two computers since December and the only way to talk to an American is not to pay and then they will contact me.
So I will copy this note and link to this site. Maybe this will help. Plus I think I may need counsel and if my credit is attacked I’ll sue.”
Editor’s Note: You cannot sue. Your contract specifies binding arbitration. All HSBC and Best Buy contracts forbid lawsuits, and most forbid bankruptcy and class action. The courts have ruled that while the terms may be onerous and borderline, the terms are not illegal. Our question for future customers of HSBC and Best Buy is a simple one: Would you agree to let somebody, or some company, do whatever they desire to you, your future, and your loved ones? That’s basically what your HSBC / Best Buy contract does.
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