The Vault is a popular website which hosts the HSBC Holdings plc Employee Message Board. It can be seen here. Vault claims it is the most trusted name in career information, thus the employee input. Discussions can be informative. Vault’s Household International employee message board is still current and can be seen here. The catch? Vault Message Board archives more than 60 days old are now restricted to Vault Gold Members.
Archive for the Category »Secrets, Tips and Tricks «
Collection agencies have caller ID using your call, and your phone number, as an excuse to call you forever. I advise people to go to Live Phone’s website to get a free Stanaphone account, or any of the free internet phones. Then use your free New York city phone number and your computer to call them. (The free software is provided)
As more jobs leave the Uk and US for India, call centers are using the Internet for telephone calls. That next credit card offer or call from a collections agent may come from India or the Philippines using voice over the Internet. Known as VoIP, VON, or just internet telephones, the technology reduces costs. Cost savings are the main reason workers lost their jobs in favor of workers in lower paid areas of the world in the first place. But don’t blame internet telephones - they would have grown in popularity anyway, as evidenced by Vonage, Earthlink, and America Online.
When is your home loan placed with HSBC Mortgage Services (HSBC USA) on the reputable side of the bank? When is your mortgage shuffled to Decision One and Household Finance or HSBC Finance Corporation and the troubled predatory side of the organization? Often asked and little known facts are now available. The average for HSBC USA is a FICO of 720 and above. The average FICO of those involved with the predatory side of the house is 641.
Other statistic for the predatory vulnerable group are as follows:
Average total debt ratio of 39.2%
Average LTV at 88.3%
82% of loans have a pre-payment penalty
79% refinance vs. 21% purchase money
91.6% first lien
98% primary residence
It appears as though some Household Finance Corporation offices are using Comcast Business for their Internet access. One recent visitor to Household - HSBC Watch alerted us to this fact using United States - Pennsylvania - Perkasie - Comcast Business Communications Inc. Whether this is funded and paid for by HSBC and HSBC Finance Corporation (the old predatory Household International) remains to be seen. The fact is that these HFC offices do not go through the corporate firewall and thus are untrackable by the parent corporation. Is this a security leak? Does it thwart efforts by their head of IT Andrew Armishaw? A possible rogue office like Bellingham? You heard it here first at Household - HSBC Watch.
