hsbc mortgage review

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Average Ratings

Value for Money	1.9/10
Reviewer Rating	1.2/10
Overall Rating	1.3/10

13% Recommended3 out of 24 Reviews

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By hunney39 on 31st Jan 2007

hunney39's Ratings

Product	Variable rate
Repayment Method	Repayment
Value for money	0/10
Overall value	0/10
hunney39's recommendation

Good Points

Still waiting to find one

Bad Points

Attitude, collections calls on current mortgage

General Comments

Dependant on when I receive my wage check, my HSBC mortgage payment is made on time, or within the grace period each month. The payment has never been past due, except when they added forced flood insurance, which the Attorney General fixed for us (took a year to straighten out). Each month, as soon as we are 7 days into the grace period we start to receive calls. Examples of questions are "Is there a reason you can never pay your mortgage on time?" "Do you not understand when your mortgage payment is due?" "Did you know your husband is past due on the payments?" They will happily sit and discuss the mortgage, late payments or amount due etc with my wife or anyone else who answers the phone, when my name is the only one on the mortgage and without verifying who they are. I have complained on several occasions, and all I get told is "If you paid on time the calls wouldn't be necessary". We have even been told that previous payments have arrived past the grace period, and then on checking with the bank find the checks were cashed days before.

We are now looking to refinance - we did not select HSBC, they were forced on us when our account was transferred from another company.

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