Wednesday, March 15, 2017

HSBC offers cheap home loans so does the support

Hellish customer support experience from HSBC

I was shocked by a phone call received today, probably from an offshore calling centre crediting the accent. The female at the other end was furious. The tone, aggression, and pitch were fuming. It was rude and arrogant, I was dumbfounded for a moment. The phone call wasn't from a gang leader requesting a ransom but from an HSBC banking assistant who was supposed to handle my home loan application. I decided to blog my experience to make everyone aware of what to expect from an incompetent banking staff who care less for their customers. 

I decided to shop for a cheaper home loan rate to what I've been currently paying. The HSBC is offering an interest rate of 3.75%. I simply filled in my details on the bank's website to be contacted. After 2 - 3 days I was contacted by the bank. Following a lengthy phone call, I was assured to send a loan application and instructions via an email within the next ten minutes, but that mail never arrived nor a follow-up call. 

An interest rate of 3.75% was too good to miss. I called HSBC again. This time things improved momentarily. I was at least provided with an application. I already had a completed loan application and the necessary documents handy. But I wanted to clarify a few points. I sent a mail but no response for quite some time, followed by a phone call and left a message. Yet no response.

I called the general line seeking assistance. This time my call was handled by an Australian based calling center, I was very well assisted. She was the only competent banker out of the three bankers I had spoken so far from HSBC. As I hang up the phone I received a call from the second banking assistant, who was unresponsive. The tone and aggression were filled with anger as she opened the conversation saying "I want to get your expectations right first. Let me tell you this, I don't offer 24 * 7 support, I was away"...  Not only that call was a disaster but her call implied as if I had tried to contact her in the middle of the night as she repeated she does not provide 24 * 7 support. 😛😛😛

This abysmal customer support from HSBC made me think whether it's worth the switch. I have spoken to three bankers from HSBC to-date, only one banker provided a good support while the other two being horrendous. This whole episode showcased the chances of getting a quality support from HSBC is 33.33%; if I put things into digits. Dealing with HSBC's inferior support staff is worst than paying a higher interest rate. I decided to stick to ANZ!

It would be good if HSBC could obtain the recorded phone conversation to train their staff to prevent them bullying customers in the future.

Update 1:
Amidst all this chaos, ANZ contacted me to inform they have increased the discount applied on the advertised interest rate, narrowing the different between ANZ and HSBC to $10,000, over a 25 year period. 😎😎

(I didn't bargain for an interest rate reduction from ANZ at all.)

Update 2:
Apparently I'm not the only person to receive a horrendous support from HSBC. There are few other customers who have voiced there concerns here : Product Review - HSBC 

A customer had commented this:

Don't expect any sort of customer service from these guys. They are slow, process is cumbersome, no communications, always have to chase up and don't brother giving a call back.
Yes their rate is cheap but I rather pay abit more and go to a bank that knows what they are doing.

Another had commented:

I've been with HSBC in AUS for 14 years. Have noticed how HSBC in that time has lost ground - now a really daggy bank in all aspects - service, basic competence, technology, product features, pricing - it's all appalling and behind the others. They make little effort on a service front - and even deliberately became obstructive eg. 'lost' documents - when I tried to move my home loan! A bunch of pretenders. Avoid.

I think I should have read these reviews before contacting the schmucks at HSBC. 😎😎 

Saturday, May 14, 2016

Don't you wish you had the answers?

Don't you wish you had the answers?

Please click on the photo for a better view
Look out your window, see the earth
Where did it come from, who gave it birth?
Look at all the living creatures, who created them all?
See how the rain falls, who made the sky?
It's never ending, and you wonder why
Where did it come from, where will it go, where will it go?
Where did you come from? Where will you go, where will you go?
Don't you wish you had the answers, well, I know
There's peace in knowing, what Jesus said

Enjoy God's wonderful creation!

Words : Keith Green
Photo : Tyronne
Actual size of the fly : A tad longer than a centimetre  

Friday, January 8, 2016

The Tallest Man on Earth

Our ears are fed with tons and tons of mediocre music by radio stations. I have distant from radio stations ages back, most radio stations are next to nothing. I can't recall the last time I bothered tuned in. Sadly though the amount of garbage albums are on the rise to cater equally dumb listeners. A good album has become a rarity.

There are two types of musicians we come across, artists and singers. We have tons and tons of singers, singers are the ones who often sing what someone else has written. This does not mean every singer song writer is brilliant, there are heaps of mediocre singer song writers around us, such as the overhyped Adele, Taylor Shit, Lady Gaga. I truly can't stand their music without throwing myself a couple times. 

I believe music becomes more relevant, connecting and heartfelt when the artists are sincere and honest with their material instead of targeting a particular audience. Although that's too much to ask in times like these, The Tallest Man on Earth (Kristian Matsson) is one hell of a musician of such caliber. The lyrics, music and vocals are simply a treat. Breathtaking!!!  His first three albums showcased minimalistic instruments yet the fourth consists a few instruments, a complete band on most tracks.

I have played his second and third albums, "The wild hunt" and "There's no leaving now" to death, but I keep playing them at least once a day. I can't recall the number of times I have played these albums. The fourth album, Dark bird is home is a concept album and the most sincere work by Kristian to date. The Dark bird is home depict his relationship with Amanda Bergman (Idiot Wind), leading to the divorce. There was also a song about a departed loved one.

All that been said, none of his albums offer crisp clear high fidelity sounds, instead they offer a weather worn warm sounds. That blends really really well with his music style and vocals. That had been done deliberately by the TMOE. The 'Dark bird is home' has been recorded in different countries, locations, barns, sheds and carry worn out sounds with a bit of dirt and grit as TMOE's record label Dead ocean records details this album in the official website. I'm not going compare him to any of the other artists, what I like about TMOE is, he's sincerity towards what he delivers. All four albums are unique and progressed in every aspect; lyrically as well as musically.

There are a handful number of albums we've got during the last couple decades, which can be played from A-Z without pressing the skip button on the remote. The 'Dark bird is home' is definitely one of them, a timeless masterpiece by Kristian. If I list my top 10 best albums at one point down the line, I'll bet two or more Kristian's albums would be there for certain. He is one of the VERY BEST artists I have seen during the last 20 years!!!!!

TMOE albums have been the best albums I have purchased in years, since Explosions in the sky's The earth is not a cold dead place. This is a must have album for every folk music lover, you would play his albums to death yet, you may not get over them for years and years to come. A great timeless album. Looking forward to see Kristian pretty soon. ;-)