Household HSBC Watch

Going through all the complaints on the website fills me with despair. I am an Indian citizen and an employee of the auto finance department. For years I have been working with the customers based in the US. Prior to joining this business I was in sales although the customer base was same. But I have seen the raw ignorance of the customers in this business and tried to help them sometimes even crossing over my lines in the co. I’ll start from the very basic complaints the customers frequently have.

First with the high interest issue. People, have you ever put yourself in the shoes of your lender and thought about it? I don’t think so, because then all you people with bad credits would understand why you have yourself a rate like that. Do you expect a free pat on the back for a wonderfully destroyed credit history? Open your eyes and see around, because nothing in the world is free…even your dad will not speak to you if you don’t care about him.

There is a word called responsibility…please look it up. You have received a second or maybe even a third chance to build up good credit. So use it to your benefit by paying on time rather than accusing your benevolent lender of ripping you off.

And know this: If Indians are calling you up for money, that’s because your own people decided to outsource that job so that they would incur lesser costs to give you a lower return on investment. If your own people had been doing the same you would have been charged more. Its true Indians don’t speak English very well (god help you if they are able to), but would you be able to speak a language that is not your own dialect and you have to make a conscious effort to keep up? I have been called names (as a point of fact my entire family has been cursed and called names although they were never involved in this), asked if I was stupid, idiot and uneducated not to mention hung up on a million times.

Customers wanted to fill me up in every holes in my body, if you know what I mean. But I never retaliated to a person who I felt had a real problem. I often asked myself what I had done to deserve this? Now my dear customers, answer me, have you ever thought it out this way? Before you make racial comments, think of these facts. Every single instance of dissatisfaction was initiated on your part, my friends. Because you fell behind. Because you failed to make a monthly payment on time. Probably you will say, nobody can predict the future. I agree, but each and everybody can prepare for it. There’s a concept called saving if you know it. Look it up, it will help you in future.

You don’t want to be called on your weekends. Neither do I. So I pay my bills on time. Do you? Tell me something, your lender cannot call you during the weekdays because you cannot receive calls during the time you work. You will not speak to us during the weekends. You will not inform us beforehand that you are going to be late with the monthly payments. So what does your lender do? Keep his finger crossed and pray every night that you pay up the next morning? Would you have done the same if it was your money? I don’t think so.

So dear customers get the blinders off your eyes. Don’t put yourself in a position where you get frustrated and make others frustrated. The kind of language you use shows the very person you are. So please, use a portion of your booze money to get yourself an education and try to learn the system. Hopefully that will help you to see things clearly instead of being a crybaby or a cursing teen. Understand, HSBC does business, and business is never a charity. Its a man eat man world there, so save yourself from it.

And lastly, thanks for letting me have a job because you choose to live in denial.