Hsbc auto finance is a horrible business. please whatever you do don't use them! I hate not being able to speak to an intelligent person. let alone an american. it is so frustrating having to speak to people overseas (india) with heavy thick accents that are rude. they don't really listen to what you have to say. they constantly hound you if you are one day late. like the previous people have written they call you day and night all hours and don't stop until payment is received.
You can hardly get them to agree to give you an extension if you fall into a financial hardship, i.e., job loss, illness, etc. they keep telling you that you don't qualify for an extension! what the f_ _ _ _? if you can't qualify for those reasons then I don't know what does!! you have to keep calling them and beg them over and over again to give you one. you have to explain your situation over and over again because you never speak to the same person about it. it is a nightmare!!
They never give you the same answer to your question. it's like they make it up as they go. they are extremely unprofessional!
Why is it that you can never get a hold of the main office in san diego, ca? you have to keep calling a stupid 1 800 number over and over again never knowing what country you will reach or what language you will be dealing with the heavy accent!!
I will never do business with them again. never!! I will make it my mission in life now to get the word out about how horrible hsbc auto finance is!! they do prey on the poor people that do not have the best of credit. they charge you (the unfortunate people) 19.5% interest or more. never let a dealership talk you into signing on with them. never!
I am sure that there are many more nightmare horror stories out there about hsbc auto finance but, they have not heard about this site before otherwise, I am sure that there would be more posts about this horrible company hsbc!!