The very worst costumer service its been a year and i still cant find my title from this agency thumbs down for sure. every time i call i get someone who barely understands english and thats after the gauntlet of automated crap i have to sit through. Hsbc definately the worst company out there period. If i had the knowledge i have now i would have never ever accepted the loan these people rob you blind w/out you even knowing it. Hsbc lets u own something.. for a time. After the interest rate hits you are destroyed. The funny thing is, this company will mail u all these offers and bonuses that are VOID with the company itself, and to top that all the mail is just trash to remind you that you owe the the next coming bill. Garbage imo.