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Review of the HSBC, Bank Account:

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Absolutely Horrendous Treatment of a Loyal Customer!

I have been an HSBC customer for several years, with both a mortgage and credit card. I have never missed a payment to HSBC or any lender, and my credit rating is excellent (AAA). Despite this, I am still waiting for a decision on my remortgage application, which is now jeopardising my upcoming house move scheduled for the end of the month. The application was submitted at the start of December, and while I acknowledge my situation is slightly more complex (I recently changed jobs and have a limited company employing my wife), I have provided all requested documents, including employment details, bank statements, and proof of earnings. Some of the requests felt excessive, bordering on an invasion of privacy, but I complied fully. My frustration lies not with the due diligence process, but with the complete lack of communication or progress. Despite countless follow-ups, I am still in the dark, with no decision or timeline in sight. Even a decline would be preferable at this point, as it would allow me to explore other lenders. Instead, I am stuck in limbo, with my property purchase now at serious risk. This treatment of loyal customers is unacceptable, and I would strongly advise anyone considering HSBC for their mortgage needs to think twice. Reviewed on: 14th January 2025

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