Update 2009: HSBC announced the closing of HFC and Beneficial in 2009. All of the information is in this blog. the link points to the “Jobs and Layoffs” category.
Analysts at Household - HSBC Watch think HSBC learned from the recent subprime crisis, regardless of what they tell Knight Vinke and other activists. After studying HSBC and Household International for many years Household - HSBC Watch thinks HSBC will make a move soon. Changes must look like they are HSBC’s idea, not forced by others. Saving face is important to HSBC. From a business and profit standpoint this is what should happen soon:
HSBC will close specific HFC and Beneficial Finance offices. Offices in problem areas and subprime areas will close first. Expect 90 to 150 offices to close in the first round of cutbacks. Also expect bad publicity from Inner City Press and Acorn if these closings are in redlined areas. Therefore the first round of closings will include a percentage of locations classified as “overlapping geographic locations.”
(November 14 Update - HSBC confirmed closings - see the article here)
Will HSBC close the entire branch network? Time will tell, but saving millions in payroll will show a profit to those in London while appeasing investors. HSBC has learned from Decision One’s mistakes. Second mortgages and bad loans through Beneficial and Household Finance make absolutely no sense. While fewer borrowers will get wrapped up in a trap of negative amortization and high interest rates, closing HFC and Beneficial will give consumers and up side. Borrowers can go a more reputable lender that can actually process payments on time and in person.
HSBC does not have enough reputable HSBC Bank locations in the United States. If they did HSBC could consolidate, centralize, and ride out the storm. Some analysts believe HSBC will forever be associated with predatory lender Household International in the United States. That association has been promulgated by consumer advocates and watchdog organizations, all of whom protested HSBC’s purchase of Household International. During the OCC open comment period these same advocates and watchdogs wrote to the OCC, often more than once. A copy of all material was presented to HSBC by the OCC, through HSBC’s attorneys. The existance of, and positions taken by these advocates and watchdogs, was clearly presented to HSBC.
HSBC’s had a chance to change Household International, which is now called HSBC Finance. Any first year marketing student understands how to rebrand and remarket. Any first year finance student can tell you that high interest rates and oppressive terms will eventually cause a business failure. A simple study of Providian can prove that. Honesty and integrity play a big part in public perception. For borrowers we offer this example: A potential customer calls HFC, CitiFinancial, and one other lender to get a quote and monthly payments. CitiFinancial says the payment would be $350 per month. HFC says the payment would be $275 per month. The customer asks HFC why the deal sounds better. The HFC reps says they are a big company with 100 years of experience. THE truth is the payment is amortized over 30 years but the loan is for the same term as that offered by CitiFinancial. A lie or a scam? You decide, but the bottom line is HSBC never changed it.
When HSBC took loan losses that near or exceed what they paid for Household International it only makes sense to keep the credit card operation and reduce or eliminate the mortgage operation. Expect HSBC to start closing HFC and Beneficial offices by the end of October. Expect closings to continue until many more people are unemployed. And expect smiles in London as HSBC looks to make shareholders, including Kinight Vinke, very happy. In an earlier article we wrote about how HSBC lost the heartland of America. Expect HSBC to crush the hearts of employees just before the holiday season, giving pink slips instead of paychecks as it turns cold.
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unofficially offical-new york is loosing 10 branches…..
No they are NOT closing the New England Division.
Losing 2 DSMs, about 20 offices and rumor is the DGM will step down as the division will be dissolved. However, most of the branches will be fine. Mass will be hit hard. The entire division is NOT closing just being restructured.
Today is D-Day for most of us! Good luck to you all!
I am so glad I got out when I did..I was so sick of the bullshit..DGM was real *******..now he should get laid off! Serves him right.
I have been reading the string here and feel bad for many of you. There are a lot of good honest hard working people that will lose there jobs and it is a crying shame that UPPER mgmt keeps everyone in the dark and says “keep dialing and smiling” knowing damn good and well that many of you will lose your job. I wish nothing but the best for you..I would take many of you with me if I could. Over 15yrs with the CO..BUT TRUST ME..THERE IS LIFE AFTER HFC/BENE..
I heard that the whole Midwest is shutting down..starting with the the DGM HQ..Steve Turner is looking for work!
I guess my DGM will have to go back to chopping down trees or taking photographs!
I heard today that they are shutting down over 500 branches! SON OF A *****! I wish I was better at basketball.
Ok..everyone relax..I heard that they are only closing ONE branch..Arnold Mo.
to “the truth on” ,YOU HEARD WRONG AND APPARENTLY IT SOUNDS LIKE YOU WEREN’T ON THE CONFERENCE CALL. DO YOU EVEN WORK FOR OUR COMPANY?
I hope that the rumor is true and they are getting rid of Stevie T…he is an arrogant ***!!!
you guys need to stop naming sources and calling out people.keep it clean, we are all in the same boat and everyone has families they need to take care of. and im sure alot of you know that everyone looks at this website and reads posts.dont jeopardize anyones future in your own paranoia.
I know my dsm had a meeting with our dgm and hr today and they will probably let us know whats going on on monday. its going to be a restless weekend for all of us but life goes on and we cant help what is not in our hands. We shall all wait it out and see…
it kinda sucks that all this had to happen right before thanksgiving.everyone in my branch is so paranoid it seems like life has come to a stand still and no one is dialing.they rolled out the new band system which no one really cared to listen to because no one knows if they will be fortunate enough to stick around.BUT I can confidently say this—this is the first wave.Im thinking we might be shutting down more offices first quarter next year. So that means even if u make it thru out this wave you dont know what might happen in a couple of months.My advice is work as hard as you can, book loans, definetely sell H&A and insurance.thats what they look for.
Expatriot is right. No name calling and I do not believe this is the last of the closings. They did close branches over the summer with no annoucnment to anyone other than those affeccted. (Per Tom Detelich call on Tuesday, we had 1359 office Jan 1, closed down to 1261, and now will close to roughly 1000 by Dec. 10). This time they told everyone what was happening by Kathy Madison on Wed. This is not name calling, just what these people said to every employee on the call. This could indidcate the end, but I think they had to tell people to get the FEAR MONSTER from running wild. I think we will see about another 10% in Febuary or March as we rebrand and get even leaner. It would be silly to cross brand accounts now from Bene to HFC, then to HSBC Finace (the most likely new name). Mega branches will be the norm in larger areas and the current set up in our smaller areas. Best of luck to all as we become a new beast in 2008, hopefully more profitable and sucessful.
I just hope they fire that no good *** clown Ron Clamage. He ruined the left coast and then they gave him central?? Why are they protecting his ***??
please fire that *** clown Ron Clamage. He destroyed the Left coast and somehow they protect that prick.. unreal! and I dont give a **** about using names..they cant fire me..I FRICKIN QUIT!!
please fire that *** clown Ron Clamage. He destroyed the Left coast and somehow they protect that prick.. unreal! and I dont give a **** about using names..they cant fire me..I FRICKIN QUIT!! yeah!
i was just wondering what exactly ron clamage did. care to elaborate for me?
paranoia sets in and these clowns astart acting up.Ron didnt effect your job the market did…
why are the dgm’s spared? dont orders come from the top usually? and its the good soilders on the bottom who are getting it? If anything the higher ups should be getting it the hardest..they’re the ones who failed to adapt to the changing market.
I have seen this happen when working with other companies. They tell you Friday that everything is fine. You then have a pleasant weekend only to come into work on Monday and find that everything has been taken out of the office except the light bulbs and carpet.
I truly believe we are not going to be told until the last minute. For now they will look us in the eye and tell us that there will be no branch closings in our area and that things are fine and then expect us to “smile and dial.”
My experience tells me that if a xwife can look you in the eyes and tell you she is not sleeping around while at the same moment the guy from Best Buy’s Geek Squad is crawling out the back window butt naked…then I believe our upper management can look us in the eyes and tell us everything is ok.
I suggest taking some money from “recog”, buy some vaseline, and when HR and your DSM shows up at your branch you will be prepared to make it somewhat less irritating when you get screwed over.
They are closing 2 divisions in CA and realigning to a new Western Division. They are also closing two other divisions. The new SE Division will have Jo Anne Barnes as the new DGM.
I hope they close my office and give me my check. This company is no good to work for. The gravy train is gone. Two years ago the market was great for us, now its **** less than 10 of the ae’s in my division hit their monthy goal. There is no more money to make in this **** hole. To be honest I feel like a *** trying to sell customers these crazy rates. Yes Mr.Customer you have a 750 FICO and make over 100k a year but we can give you a great 9% FIXED rate on that refinance. Dont bother going to that credit union they are lying to you about that 6.2% rate. hahaha.This has been the biggest joke of a job that I have ever had in my life. I cant believe I have been hear for 4 years. We are all telemarketers, not sales people. The next time someones asks what you do for work, dont lie and inflate what your job is. YOU ARE A WORTHLESS TELEMARKETER. If you have a college degree, shame on you, this is a job for a highschool student. I dont feel bad for the people that will be losing their job because they rip people off for a living. All the foreclosures forced because customers are bugged with phone calls all day about how we can help them get a better program than their personal loan or other means. All of you TELEMARKETERS are going to HELL. Find a real job , not a stupid telemarketing one. O wait, there is a job opening at Amway, you can dress up in a suit and sell people products for a much greater price than they can get anywhere else. EVERYONE here would be perfectly qualified. I hope the holidays suck for everyone that loses their jobs because the poor people you forced into foreclosure will not have a home to live in thanks to you. Everyone on this site is all upset in tears about losing their telemarketing job becasue they are all stupid people who do not qualify for real jobs. This company takes morons and makes them dress in suits and tells them they are important professional people then they sit them infront of a desk and makes them a telemarketer. I only worked here as long as I have because the market was good as well as the money and I always laughed at this shithole of a company all the way to the bank. Now the money is gone, Ill take my check and run. Have a nice life you ***** telemarketers!!!!!!! Fools
Jeez…you’re an *** yourself.
even though he makes some very harsh and confrontational comments…there’s an element of truth to what he’s saying. (minus wishing bad upon us)
This was once a site that was at the very least, an insiders look where one could come and talk about a possible, disappointing end to many of our careers. Now it’s laced with darkness and I sign out with disgust at the recent communications. Are you for real people?
Amen, Tyler
Agreed.
1) Yes, I’ll confirm that Ron Clamage is a full blow *** clown- I could write a book on what “Damage Clamage” has done over his tenure
2) Steve Turner is a 2nd class *** Clown. Arrogant with no foundation for it but a great guy to shoot some baskets with
3) Joanne Barnes? She destroys N. Cal and they give her another Div? Diversity at it’s height!!! Am I the only guy who can’t figure out if she’s always tired or just acting that way?!?
I am amazed with some of the complete ficticious garbage you people come up with on this blog. A DGM cannot ruin an entire area..they are puppets as we are in the branches and have no say so. They only pass the message from corporate and make it sound as though it was their doing so to wish ill will towards them is your own stupidity coming out. At the end of the day you must be thankful for the good fortunes you had while the market you worked in was doing well and if you did not save your pennies then shame on you. I am certain that the people on this blog using terms like “worthless telemarketers”, “fear monster” and smile and dial were not complaining while you watched those commission checks clear your bank? I am not a corporate honk and I do not pretend to endorse everything that they ask us to do, however as yourself this question…if it were my company, what would I do? If your answer is anything to ensure I am making huge profits (which any successful business does) then congratulations because that is exactly what HFC is and will continue to do to ensure the livelihood of our corporation. This is my last post so for those of you that did not get optimized…et ready for a bumpy ride cause this wave is not over for another year or so…for those who were not as fortunate..good luck in finding another job ..and at your next job…remember how much effort you put into bitching and complaining about things at this job or on this blog and put that energy into being a better employee.
Rolly: You are halarious-haaaaa, “full-blown *** clown”…and Ms. Barnes is a funny character isn’t she?
Rolly
Love what you said about the DGM in the midwest. Can’t agree more, but I’m sure he blew at basketball. Time for him to go chop some more wood…hoser!
I am finally relieved of my duties at Beneficial. I don’t have to rip off old ladies anymore. I was sick of not being able to sleep at night because I was pushing a **** loan down somebodys throat. Maybe God will forgive me for all of the bad loans I have done while working for HSBC. I would like to go back and apologize to everybody I have done a loan for in the last few years.
The DM showed up at my office today and canned everybody. Fired 2 people that had 20 + years in. Senority does not make a difference to HSBC.
Where are you located Former Employee?
I was the BSM until today. I have 24 hours to decide if I want severence package or be demoted. 1 ae canned, sa still there(job safe), 2 ae’s (jobs safe) so who is taking my branch. This is some ****!
THAT ******* TURNER!!
DAMAGE CLAMAGE SHOULD BE FIRED!
And fire that frickin no good Joanne Barnes along with Turner and Clamage!
I have a dream..That one day all HSBC employees will be treated fairly..I have a dream..That ***-face Steve Turner would get fired and have to go back taking photo’s of those ham-and-eggers at the sears photo studio..I have a dream, that the ******** Ton DAMAGE clamage would get his due and be fired..then he goes back to picking up trash in Naperville..I have a dream that JoAnne Barnes stops getting preferential treatment and be termed and go back to toll booth collecting..I HAVE A DREAM TODAY!!!
Get off of your soap box and be happy that you still have a job. I too had options and was happy that I was given someone, like you, has to get on an HSBC bashing website options. I was a BSM in a similar situation. It is sad that to voice thier OPINION. If you have any of the same views as myself, you probably feel as though there is a ton of more money to be made and an AE or ASM. I was on this site to see what people were saying and never expected to see anyone still employed on here. Did Steve Turner push you out due to low performance? Sounds like it!
Did Steve Turner push you out due to low performance? Sounds like it!
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