I admit, I'm the fool, I fell for it and now I'm paying the high price of 25% interest rate. I got a check for $3000 dollars for an unsecured personal loan. I threw it out. I kept receiving the same offer for about 6 months. I needed to help out a family member, so I finally bit. I went to the local office to fill out paperwork and low and behold they would increase my credit available to $10000 but my finance rate would be reduced to 7.9% after a year of on time payments. I paid off a 14% credit card believing I'd be paying only 7.9%. It's been a year and a half. I have automatic payments, so they are always ontime. They will not lower my rate and said they never said that they would. I am now into them for over $14000 because of the ridiculous method of APR. How do they sleep at night. To add insult to injury, the also charge me an annual fee of $49. Rude when you call them and flat out liars and cheats. Bookies and laonsharks treat you better.

My name is Linda Vu I am a student at University of Greenwich. I was recommended by a friend to invest my student loan into a mini cash individual saving account (ISA) in HSBC.
On 29th March 2008, I opened the mini cash ISA and invested £3, 000 in cash. After I received a letter which confirmed that the account was successfully opened and that the total amount invested came to £3000.

About six months after, I decided to a visit a different branch of HSBC to check my balance as I have never received any statements since the account was opened. On the screen, it indicated that I only had around £1000 in the account, which I had deposited into my account a few times in the time I opened the account till 6 months later. It showed that the £3000 I had invested had not been deposited or withdrawn.

With this on my mind I went to the branch I opened my account with in Dartford and ask to speak to the manager but was told he was too “busy” to see me. The person who spoke to me replied that the money that I invested when opening my account was not there. She then said that the manager would get back to me regarding the issue.
I returned a few days later as I had not been contacted about the issue and therefore asked to speak to the manager only to be told he is too busy to speak to his customers. I was then told to talk to another member of staff who said that they will be investigating by checking all the account, speaking to the person responsible for opening the account “Tom Kazza”, and by checking their CCTV security system.
I was then told that the manager will definitely contact me within the next two days.

I was not surprise at all when the manager failed to contact me which made me have to go to the branch for the third. Again I was told the manager was yet again busy so I had to speak to the sales manager who said that the £3, 000 transaction was not made on any accounts in that branch on Saturday 24th of March 2008, their CCTV camera did not go back 6 months and that they do not accept cash on a Saturday. The sales manager also indicated that the person responsible, Tom Kazza, was new at his job. Questions were going through my mind such as “why was he allowed to open mine or any other customer accounts and take our money?” and “Who else has he done this to or is going to pull this stunt again?”
She also said the letter of confirmation I had shown is not regarded as proof and wanted my account statements to prove I had that amount in my account.

After being told this, I took a trip to the police station to inform them that Tom Kazza or HSBC has stolen my money, I showed my evidence that I had £3, 000 in my other account and the letter confirming £3, 000 has now been credit to your account.
I was told by the police that HSBC do have the CCTV that goes back to the time my account had been open. In order to open mini cash ISA, I would have needed to deposit money onto it, so therefore how could I possibly open my account on the 24th of March and have a letter confirming I had opened it and the amount I put in prove not to be enough evidence. I was told that in her opinion it was enough proof. I was then advised to go back to the branch to get a letter, which should say that no transaction of that amount was made, and bring it back to the station so that they could investigate the matter.

The HSBC branch in Dartford has been very unhelpful leading to a very distressed and an unhappy customer. Each time I went there, I was told the branch manager was too busy to see and that he will contact me and unfortunately happened three times

When the new manager Hayley Lowe finally investigated the matter she sent me a letter confirming there is no evidence £3000 was credited into my account, of course I was extremely angry so I called up the head office where they said further investigation will be required. I then went into the branch to talk to Hayley to understand what investigation she had done, the only thing she done was talked to Tom Kazze who said “he remembers me and that I did not credit no money in” and that no account within the branch received the £3000, however to open a ISA account you need at least £1 in order for your account to be opened, of course the manager said you don’t need to put no money in, this is when I asked for a leaflet which she went and got, read it, and annoyed “yes you was right you do need to put £1 in but you don’t really” what kind of response is that? I then demanded for another investigation as Tom Kazze or another member of staff has taken my money.
I gave her my Halifax statement to prove I had £3000 in my account during the time I opened my ISA account. During the three weeks after the interview, the senior manager Rebecca Kemp called me up saying they are investigating the matter and can look at their CCTV the date I opened my account.

The 11th of November I receive a letter from Rebecca that “the declaration letter handed to you at the time of opening your account had incorrectly stated the subscription amount and, have fully investigated the matter, I can confirm that we did not receive any funds from yourself on the day opening the account” I imminently called her up to see what they did to investigate that Tom Kazze has taken my money, she replied she has evidence that I did not cash in no money via investigating Tom Kazza again in front of he’s manager and looked at the accounts, this is the same investigation they did before, I keep on repeating you said you was going to check your CCTV, Rebecca replied “we feel we have enough evidence from Tom admitting he’s done a faulty on typing in £3000 and checking all of the account” this is not a fully investigation that he’s taken my money and I have not been treated fairly as a customer as I replied many time did you check your CCTV as that’s the evidence I did give Tom Kazza £3000 in cash, Rebecca kept on saying “for the final time we have done our fully investigation!!” this is not including the CCTV. I kept on asking “but have you checked your CCTV” and she said “for the final time we have fully investigated the matter” then rudely hung up the phone on me! She would not answer my question as she has not investigated the issue fully. I am a very unhappy customer who has been distressed and emotional for the last 2 months as they have not been treating me as a individual, refuse to give back my money that I invested in and I feel as I am being discriminate due to my age of being 20. Tom Kazza has taken my money please help!

Please contact me on 07809879949 or email me on [email protected] for more information. I will be happy enough to do interviews.

Thank you

I am amazed at the process of HSBC. We have been hit by a hurricane that damaged our house quite badly. We have been dealing with stinking carpets and wet walls from past 45 days. Our insurance company processed the claims and sent us a check that requires our mortgage company to cosign the check. HSBC says that they will monitor the funds and deposited the funds in their account. They want us to to spend our own money and repair the house and then they will release the funds after reviewing the reciepts and they complain that they are overwhelmed with the hurricane claims. Here we are overwhelmed trying to find a contractor to replace the roof and people to repair the house and living in a stinking environment, waiting for the funds to be released so that we can repair our house and HSBC takes the money and is overwhelmed with the money. Beware of such banks that are predators and treat the customers as slaves. They are saying that they will release only 3rd and will release the funds in bits and pieces in their own time. We got our roof replaced and also got it inspected to make sure that the job was done well. HSBC says that they will not accept the inspection report and will send their own inspector and then will release our funds in bits and pieces. They slam late charges on our mortgage if we are even a day late but they can keep our money until they are comfortable to release it. It is very frustrating to deal with the hurricane damages and deal with such insensitive predator companies who have the audicity to say that they will hold money against defualt mortgage payments if we do not restore the repairs. Our house is more important for us and we want to see it restored much faster than them making sure. We are terribly frustrated with this lender. Our insurance company also claims that they never heard any lender being so ridiculous. I don't know how long we have to wait to get our money back.

I did not receive a bill and i know it is due. Need help. Not sure if this is the right sight. Please call 507-263-7495 or work 5072637930 asap

First thing first, Yes i Have a debt with HSBC. Incurred from a previous mortgage, and a husband that was diagnosed with cancer and is unable to work. I have consulted with the local Citizens Advice Bureau who have taken on my case in regards to settling my debts, and getting them paid off.

A letter was sent by the CAB to the bank explaining that I couldn't afford a full payment each month and explained what I could pay. The CAB even sent a record of my income and outgoings, which clearly show that I cannot afford to pay any more than was offered.

My house is on the market, so when sold I should be able to pay off all my debts, but alas with the economy how it is at the moment, it's taking a long time!

About 2 months ago I started receiving phone calls from an 0800 number and when i picked up no one would answer on the other end. after about a week of silent calls the frequency off them upped to about 6/7 times a day on the house phone. If we didn't pick up the house phone they'd phone my mobile number.

So for about 2 months I have been receiving about 10 calls a day total, and each time I tell them of my situation and there's nothing more i can physically do at the moment, and within 10 minutes they're on the phone again, completely unaware that I'd even spoken to them 10 minutes ago.

Basically, would this be classed as harassment and is there anything i can do about getting them to stop calling.