HSBC gave me a call this morning. Had a stressful weekend with all the work, and Holdem etc... Didn't get any sleep last night and I got this call by some dumb ass tele credit guy from HSBC. His name is Dave so if you are thinking of hiring someone by that name and written HSBC as his work experience,especially from the credit department, just don't do it. That guy can barely count least to say do any work in the finance sector. Now I know why there was so much back log in Standard Chartered when I joined their credit department in 2001. When I left 6 months later, there was barely enough work at the start of each month to last a week. Most of the backlogs are due to stupidity like these...
"Mr. Ng, you have not paid for your last payment on your HSBC credit..."
"I paid you $3100 about 2 months back can you check?"
"Oh the amount is $3010. But you are still short of $94." (I clearly remembered I posted for a full repayment 2 months back but anyway...)
"So what is the amount that is outstanding now?"
"$174"
"Huh? 100% interest in 2 months?"
"Errr... After waiving the late fee. It's $27 for the interest"
"$27 on $94?!?! That's 30% in a month" (Even in my sleepy wanna die state I could still calculate the amount)
This was the classic moment that I almost died.
"Do you want to dispute the interest? Our credit line interest rate is 17% per annum"
"YAH! But you just quoted me 30% for a month that's like 360% a year?!?!"
"Errr... I don't decide the interest rate" (Of course I know he doesn't)
"Dude, take out your calculator and tell me how many percent is that?" (Frankly I was quite pissed at this stage)
"I don't decide the interest rate, I'll have to refer you..." (I just interupted him cause I wasn't about to listen to his stupid shit)
"Yeah refer me to your supervisor and tell him that you are about to charge me 30% for a month. Tell you what I'll post you $94 and you will clear up my account."
Silence... (Must be too hard for his tiny brains)
"Let me transfer you to the customer service to dispute the interest rate" (immediate transfer, didn't say to hold on or to wait or anything... The waiting message from the customer service line just came on...)
Now that was rude... So there you have it. Dave from the Credit Department of HSBC. Super moron and super rude. Hope he doesn't become a financial advisor or work anywhere in the Financial sector. This guy is just unbelievable. I've spent time doing the same job in 2 banks, seriously it isn't that hard, in fact I was doing foreign currencies even at the later stage and still it wasn't that hard. Just need to apply a bit of common sense, and don't call the customer over ridiculous scenarios, do the proper thing and fill up the forms to get the amounts corrected. Man... how lazy can people at the banks get. No wonder the financial crisis...
