800-361-5783

It's HSBC calling because they handle the accounts for Best Buy.  If you have a best buy card or a Dell account they will call you to hopefully set up a line of credit.

THis is HSBC Financial. In our case it was about a Future shop Card, and a late payment of $13.00!!! That said, these people are lowlifes only Chse/Sears are as ruthless. they call 8 times a day, and even after explaining things, they still call back relentlessly. In Canada, these people are not allowed to call people at their place of work except to verify that the person is still employed there. They are not to state their business, nevertheless they called my wife in her place of work, over that $13.00. Anyway, here are some thoughts on the harrassing calls, and a solution for those who are in over their heads.

I've read the stories in this section, and have some suggestions to offer.

To the "collectors who have self-righteously posted "Pay your damn bills!"

First, Yes we ran up debts, and it was our fault for getting the credit cards in the first place (roped in by the at the till discount). That said, we were long term clients, and had cleared our balances several times (only to run them back up again. We were pretty much maxxed out, and for two years kept making the horrendous minimum payments, sometimes more, but usually a few days to a couple of weeks late. The harrasing calls drove us nuts for those two years, but they would stp once we told them when the next payment was coming, but would start again 10 days after the due date of the next one.
Fast forward to September 2008: I am self employed, and my business came to a near standstill when the crisis began, and I started falling into arrears on all my payments. I paid what I could when I could, but instead of business calls, creditors started calling constantly, to the point whereI was hearing multiple times from several companies almost daily. Income became sporadic and sometimes I could catch up, but by February, I was hopelessly (1-2 months behind on almost everything, and totally maxxed out) If I had been able to maintain my income of the last 7 years of being in business, I'd still be muddling through, but it came down to either-or choices: Utilities or credit cards... and guess which one came first?
So yes, we like most people, WANT t pay our bills and live honourably, but there are times when we cannot, and the last thing we need are rude collectors hounding us relentlessy, making the situation worse.
I will even go so far as to say that these harrassing calls are counterproductive, in the sense that many people look into bankruptcy as a way to escape the humiliation and harrassment.
More to the point in my case, is that the calls, coming in the frequency and numbers they were were interfering with my business, which in case they didn't figure it out, is the means by which I had hoped to PAY them.
In any ase, I restructured things in my business where I have regular income again, but loiwer than before, and the bottom line is, i was so far behind, without a hope of ever coming up from under barring winning the 6/49, that something had to be done.

To everyone else: Here is the solution we found: The Consumer Proposal

When you file a consumer proposal essentially you are telling your unsecured creditors that you cannot pay your balances, but instead of walking away completely (ie bankruptcy, where unsecured creditors are last in line) , you want to make a settlement by which thy will receive a portion of what you owe them.
Once filed, ALL Harrassing calls, impending legal action must cease and desist. You have your eace once again.
You will sit down with a counsellor who will negotiate on your behalf with the creditors a solution which you can afford. They look at your means, your budget, and that is how the number is arrived at. There are cases where debts of over 70 000.00 are settled for less than haif the amount owing to be paid off in monthly installments over a specified period, say 4 or 5 years. the best part is, once the poropsal is accepted, it becomes binding on the creditiors, so if you won the lottery, or inherited some money the day after itis signed they cannot come back at you for a penny more, and you can pay out the balance at any time. Moreover, there is NO interest, snce this constitues a full and final settlement (subject to your not falling behind by 3 consecutive payments, which would render the proposal null and void, putting you back to square one.
The drawbacks? Well, your credit rating will take a hit, but if yu are here chances are your FICO score is scorched earth anyway. Itwill be difficult to get credit over the next few years... but then again, if you are the kind of person who doesn't pay off balances in full every month, it's probably better that you don't get any , an go bac to repeating the patterns that got you in trouble in the first place.
To re-establish credit, you can always obtain a secured credit card from a bank, so you don't run ito the problem again.
While those of us who have used credit and them fallen on hard times must take our share of the blame, the card companies with some of their deceptive practices also must shoulder some of the blame. The card companies (my mastercard did this) also send you notices stroking you by saying how good a customer and what an exemplary record you have at making (usually minimum) payments and as a reward , are increasing your credit limit. To turn it down, fill out this form ans mail it back in... most people do not and end up racking up more bills, and eventually going in over their heads. However, harrassing phone calls as i've said are counterproductive to all. I truly believe that one has to have a sadistic streak in them to even want to take a job harrassing people like that.
Yes there are some deadbeats, but most people want to pay properly.

I had a Best Buy Card until HSBC took over from Wells Fargo here in Canada.
I got the new card made my purchase and my bill was paid IN FULL, EARLY and I canceled the card not wanting to deal with HSBC, this has been about 3 months and they still call me about offers on mortgages and asking if I like the service I get from HSBC once even telling me my payment hasn't been made for this month (kinda hard when it was in full and the card canceled!
I have asked on every occasion they call to "remove me from the calling list" and they say ok sorry but the calls come and come and come as they still have me having a card of which I keep telling them I canceled it so if any HSBC rep reads this explain why you do this stuff to people that don't want or outright refuse your services? grow up HSBC I know these are hard times but hey if you are that desperate for money go rob a bank.

Its not about a bill. I dont deal with them and I'm not late!

The Brick card is also with HSBC thats why they phone my house lol

I just got call from 1-800-361-5783 and one early morning. I hope they want be calling me every hour now.

Opss.. my mistake, it was BRICK (HSBC), i had a payment which was suppose to made 2 weeks ago and i just paid if 4 days ago. So the collection department called to see WHATS HAPPENING DUDE?... If you get call from 1-800-361-5783, which means you went to a BRICK store and bought yourself a nice comfortable meuble and forgot to pay after your 24 months no payment no interest plan!!!!... hehe. it happens!

Cheers

Harrassing phone calls - to a business cell phone (registered to Kinetics Noise Control, Inc.) on our plant floor.  This is a safety concern.

These guys are pit bulls.... They will call you at work too.

they are constantly calling my cell...I answer, and nothing...no response...once an answering machine told me to hold, but no one answered.  I have a Brick card....interest free until July....so I owe ZERO until then, not even a monthly deposit is required...so they really shouldn't be bothering us until the day before due date...not months in advance. What pain in the butts they are!

HSBC has been calling my house 4 to 6 times a day for a week. I tell them my husband is a work and then they call back a hour later. They refused to leave a message with me. They only wanted to talk to my husband. So then I finally told them that my husband would answer the phone or return their call unless they told me who they were and what they wanted. They finally told me that they were HSBC, but that was all they could tell me. They called back 3 more times that same day. IDDIOTS!

BestBuy Card. Even though the payments have been made, it takes then over a week to update their records. So they will keep calling and it doesnt matter to them if you say you have paid or not...as long as their system says you haven't paid. Also you cant tell them to take you off the calling list as technically they are collections.

harrasing and have no respect for peoples time called 8 times in 2 hours even the person they were calling for doe's not live here idiots nothing better to do

yes you can stop them. if you have no services with a company you can register on the do not vall list. if you have services with them they can continue to call you.

I've started getting calls from this number nearly every hour on the hour.  It's been about a week, and I figured if I never answered, they would give up, but it's getting more and more frequent.  It's not my bank, because my bank leaves a voicemail when I don't answer (I never answer 800/866).  Most recently I've started getting "messages" where no one actually says anything.  So I've started answering without saying anything and seeing how long they take to hang up.  Good fun if you have a free after 6 plan and nothing else going on.

They just called me at 9pm at night!!! She was going to "wait" while I put the kids to bed (I was right in the middle of it) and I said "no you can call back another time".

Damn them

your getting the annoying calls b/c you're annoying people who don't pay their bills, stop bitching so much and pay your bills on time, it'll make your world a lot easier.

HSBC holds all the Credit cards for The Brick

Called my work number, answered, but no one there, just static.  Called the number back and it was HSBC, The Brick financier.  Apparently, this has nothing to do with The Brick, but with Lifestyle Rewards.  I did not sign up for this option and they were looking for a payment thru HSBC.  Called Lifestyles and told them I did not sign up for their "lifestyle rewards" program and that this was a scam.  They made no arguement and are reimbursing.

These people have called me 45 times! I'm out most of the day but as of last night I spoke to these people 3 times and told them that the person they are trying to reach doesn't live at this number, and I have no clue who they even are. So they called 9 times today after I told them all that. This is harassment.