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MK in Nevada said: “I spent 30 minutes reading these “horror” stories and couldn’t help but laugh at the laziness of those posting messages. Have some responsibility for not following your finances. To fall 60 days past due and complain that your credit is ruined is rediculous, pay your bill. Whining about late fees for $1 short, look at your statement and make the right payment. Your laziness is your fault.”
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So in your opinion, MK, if someone where to loss a job or have some other financial setback like medical expenses, they speak with HSBC and try to work out a payment arrangement and HSBC refuses and continues to charge late fees, it would still be the consumer’s fault because of laziness?
Its obvious you did not take enough time to read the complaints, many of which are legitimate and are not the result of laziness as you claim. You are not going to get enough out of reading peoples complaints in 30 minutes and determining it as laziness when it could be a variety of issues causing them to fall behind on payments. Instead of being a jerk and trashing people for their legitimate financial issues and letting HSBC’s indifference off the hook, how about providing some better insight into the issues involving HSBC’s business tactics towards its customers. While some people complaining on here may not be accepting responsibility for getting themselves in financial disasters and may indeed be lazy, many of the others have been treated poorly by HSBC and have a right to be upset.
Once again, if you’re so financially responsible, instead of wasting time insulting people, how about give them some helpful advice that can help them recover. Otherwise, you wind up coming off as a troll that probably works for HSBC or some sleazy third-party collection agency or debt buyer. Instead of being negative in your opposition, try to be logical in defending HSBC.
Being up to date in your finances is very important to not fall into a deep hole of debt, but even to most responsible people can end up in debt if they fall into circumstances beyond their control. I’ve wrote too much already and that’s my two cents on MK’s comments.
MK stick to statement. Jay is an idiot. It’s people like Jay that give HSBC the power to due whatever they want. Every credit service offers insurance, every card holder has a chance of lossing a job or a love one, yet very fee make the effort to prepare for those things– lazy. They get the High interest card because they can’t wait until they can afford what they want on their own — lazy, something goes wrong and they want the quick fix payment plan — lazy. HSBC has issues but we as customer always fine a way to become the victim — Lazy. In closing… just pay your bills Jay.
Well JT, you and MK are the lazy ones. Too lazy to learn about how people, even those with good credit and pay on time have problems with companies like HSBC and it has nothing to do with being late and out of work, it has to do with HSBC practices.
I guess now that I think about it, you aren’t lazy, you are stupid (I’d say a bit insensitive to, but that might be too big a word for you).
This is all insanity. I have been a customer of HSBC for years. I know several people that work there. I understand there are over 30 million customers around the world. I have an auto loan, a credit card, and a best buy card. All of which I pay on time. I am not lazy and I do not assume everyone on this site that complains is lazy. I do think a company with 350,000 employees may have a couple of bad apple employees that may have either not been trained properly or possibly made some wrong choices in dealing with customers—these are human beings, not robots. But to suggest that the core of HSBC’s values is to mislead, or purposely apply payments late to get more late charges, or mistreat customers would be criminal. Do you seriously think a company this size would knowingly have tactics like this? Would they be around over 130 yrs if that were true? Come on…Is there not a bandwagon worth getting on for real, like abused children or poverty? A late fee? I would suggest going to upper management until you get resolve, not posting complaints on this..