Dun get hsbc bt plan. I kena be4 not even halfway thru the plan they changed terms and condition!

I paid 3% to bt, its a 1 time off thing n r u supposed to divide the bt into the 12months repayment. It was fine during 1st few mths then suddenly i kena interest charges! The excuse is they change terms to settle the bt amt be4 retail! Walau i tell u if i know i wouldnt even bt! How can they simply change!

Then i paid up everthing n close the acc, think it was 20k ++ n extra summore to avoid further interest. U know wat they did? Instead of returning the extra monies i paid they put it as MISC charges the exact same amt i paid extra! N charge me interest! Instead of deducting the additional monies i paid for interest! I called up to ask wat is the misc charges? Y exactly same amt as i paid extra to ofset any interest? Y chrage me interest summore? The cs said he will waive the interest. But hello! Even after deducting the intetest u still owe me money!

Blardy cheating bank!

Hi genx I think u didnt read properly
Yes, you are right about HSBC's BT.....but when i did it, the condition was DIFFERENT.
As i said, it was fine for the 1st few months and i read the fine prints where they said the BT amt will be charged differently, which they did, for the 1st few months. Until the promo ends, they CHANGED the TERMS halfway thru.
1st few months, i paid the normal retail and monthly BT without any interest charged, so this was exactly wat i signed up for. So i am saying...HSBC likes to change their terms anytime, so even if u sign up for a contract with them, its up to them to change the terms as they like and they WILL DO IT.

And another worrying thing is the fact about the EXTRA i paid to offset interest. There is NO REASON for them to charge me MISC FEES out of the blues the EXACT AMOUNT i paid extra to offset the interest, and CHARGE ME INTEREST, and CANNOT EXPLAIN what is the MICS FEES all about?

Yeha....mine wasnt the 0% one. Mine was way be4 that, way be4 when no banks was doing a 0% thingy and the terms was totally different. It was like the EONBANK's one, i was charged a 3% NETT one time off and prepayment within 12 months, divide equally.

When i asked y they suddenly change the terms, they said "COZ EVERY OTHER BANKS ARE CHARGING LIKE THIS, SO WE HAVE TO" like huh?!!!!
Then i said i will complain to BANK NEGARA, they say COMPLAIN LA...nothing can be done.
Then after that citibank called me to offer me some BT thing, i said.. NO BT and told them the story about hSBC. And the CS from citi told me that i should complain to Bank Negara.

Thing with Malaysia.....when u do complain..sometimes you will waste more time and money and energy and get nothing in the end.
Last time i did complain of something when right up to MCA summore and came out in the papers .....u know what i got in the end? GOT SUED lol!! sighhh...MCA sucks too.....LOL! MChong says help...all those are bull****....help to look good in front of papers, at the end help nothing ...sendiri makan tahi. Oh well..soorry out of topic

yes i DO have the form...its in my email. They mailed me thru email, everything was done thru email and phone.
But like i said, i lazy to complain....tired of malaysia's ways fo doing things...later i kena sue again for nothing...
its not the $....i got no time to go to court that last for few years

This post has been edited by mIssfROGY: Mar 23 2012, 06:46 PM