HSBC Mortgage Review

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HSBC Mortgage
0.7 stars
Average rating for this product is: 0.7 out of 5

From 3 ratings and 30 reviews

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sansavera's Review of HSBC Mortgage

6th Jun 2007

Overall Rating

0 stars
  • Value for money
    0 stars
  • Repayment Method
    Repayment
  • Product
    Variable rate
Good Points

None


Bad Points

Too many to mention


General Comments

Well I have you all beat... We were having a difficult time in April 2007 to pay our HSBC mortgage. When I spoke to a representative from HSBC, we were told that if we signed up for easy pay (to have monies come from our checking account.), our loan would be restructured for 2 months. Which meant we would not have to pay April or May's payment when due. (They would defer the loan to the side of the loan.) Well we signed up for the easy pay, and the first payments were to make our June 2007 payment, (the little bit of principal that gets paid on the loan would go towards the side of the loan until those 2 months were paid.) Well where do we stand right now? 30 days and more in the hole. They turned us in to the credit bureau. Told us that they were going to foreclose. Funny, the review that said they call your home 10 times a day is soooo true. They always did that to us. But what's even more funny, we have never received a call from HSBC telling us our May payment is late, ect. In my opinion, this company is too big for their britches, they don't give a hoot about the people who are trying to keep their homes. Everyone you talk to tells you something different. I'm so sick of hearing them tell the people that "this call is being recorded for quality assurance", that we bought a tape recorder and are now telling them, that they are being recorded for quality assurance. We are also seeking legal representation.

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NameProduct TypeDiscount LengthSubsequent RateOverall Cost  
WoolwichStep Lifetime Tracker1 year(Base+ 2.49%) currently 2.99%3.00% APR
AbbeyTracker2 year4.24%4.10% APR
WoolwichOffset TrackerTerm(Base+ 2.47%) currently 2.97%3.10% APR