The HSBC iBond Saga Continues …

2011/08/05 00:09:33 網誌分類: 未分類
05 Aug

An HSBC staff (a lady)called me this morning saying that my iBond has been transferred to the Securities account.  However, she told me that if I am to hold them till maturity I need to pay $2,500 to redemption fee.  I also need to pay 0.5% when HSBC collects the dividend for me (this one I understand and accept).

                
I said your staff (the one who has the qualifications to receive me the other day) never mentioned the $2,500 to me.  He just mentioned the $100 transfer charge.  She then told me there has been enhancements and I can sell iBond in the Bond account directly, with no management fee, as the bond price already reflects the charge.  Also I could receive any accrued interest and no fee on my part when the Bank collects the bond dividend for me.

I also asked if I trade iBond as a stock, how can I get the accrued interest.  She says she understands my question but she has no idea and needs to find out.  In the afternoon she called and said if I trade via securities account ie #4208 then there is no accrued interest, the interest will be treated like a stock, ie with ex-div or cum-div, according to the dividend payout day.

I said to her I might want to transfer back to the Bond account and they have to waive all transfer charges for me.   She said she can only waive $100 and I have to pay $100 (as there are two transfers involved).

I said I cannot believe HSBC can treat their customers this way.

I said if I have time and mood and I will write a letter to complain about this case and especially the staff who received me on Friday who has absolutely no knowledge about iBond and wasted 45 mins of my time and more importantly misled me.

She said 你俾次機會佢啦.

I said to her, I am very surprised if I am the only customer who complains about him.  I said, is there a problem with me or him?

She said, I understand, it’s not your problem and I’ve passed your messages and complaints to his supervisor already.  但如果可以你俾次機會佢啦.

Sigh …

回應 (46)
我要發表
2011/08/09 12:38:55 回覆

今日最多跌近1600點,之後反彈,希望下午進一步反彈。SOHO,你估美國今晚會唔會出返點好消息?

2011/08/08 21:26:44 回覆

個BABY好得意,好靚仔喎﹗是誰的優之良品?

2011/08/08 21:25:11 回覆

SOHO,杜SIR都真係好得意架﹗不過呢排我有D忙,所以係有時間就去上下堂囉﹗因為暑假,我有D暑期課程要親自上,又離唔開個市,D時間成日都唔夠使,見到你現身,好開心,搵多D啦﹗

Persie
Persie 2011/08/07 21:49:42 回覆

soho我覺得小B是阿婆殺手。他好敬老,好鍾意同d阿婆玩。有次公園有個阿婆話小B好精靈,叫阿妹好好培育小B,不要縱壞他。

 

寶寶狐:謝謝!

soho*
soho* 2011/08/07 14:25:04 回覆

好一個少女殺手小B

2011/08/07 14:00:27 回覆

小B 很可愛, 洗頭的樣好含情默默.

李聯廣
李聯廣 2011/08/07 09:37:38 回覆

LAIN,

知道你要買樓,不知你有沒有看過“脫苦海”的網誌,他的網誌分類中的“樓市漫步”曾非常受歡迎,出過一本同名的書(我有買過,分析得很好,部分資料現時可能已有點過時)。今年好像還有兩本新書推出,你可先瀏覽他的網誌。

樓市漫步:http://hk.myblog.yahoo.com/tokuhon_blog/index?l=f&id=10
陪你睇樓:http://hk.myblog.yahoo.com/tokuhon_blog/index?l=f&id=11
安居置業:http://hk.myblog.yahoo.com/tokuhon_blog/index?l=f&id=12

Persie
Persie 2011/08/07 09:37:08 回覆

LAIN:俾d耐性,大型炒家屋苑太古城,美孚,第一城己見劈價。

Persie
Persie 2011/08/07 01:00:05 回覆

soho:美國主權信貸評級被降,影響深遠,全球股市凶多吉少。你說的換碼,我是明白的,不過現在好似換都死。

 

chanrebornyes I want to think that way too, but can’t. 

If I plot a graph like those Fund Comparative Graph, “Johnny” will be the benchmark and my line graph will be below Johnny.  Sigh.

Persie
Persie 2011/08/07 00:53:35 回覆

馬仔:小B大食,點會好瘦?今日見到件蛋糕就吞口水,話想食,食左少少,跟手又食一碗啤梨,黎就快要減肥了。

幪面馬仔
幪面馬仔 2011/08/07 00:48:50 回覆

你妹妹的剪髮技術越來越好,小B越來越型仔,不過肥咗少少喎。

Persie
Persie 2011/08/07 00:41:48 回覆

大家好,雖然話左唔貼小B相,但呢張好得意,股市又大跌,貼出來博大家一笑。

 

B其實係一隻曳豬仔,右下角張相可以見到他的頑皮樣。

 

B現在好喜歡唱歌,飲歌

 

Old Macdonald has a farm, e-ah-e-ah-o (一句), 同埋

Twinkle twinkle little star, how I wonder what you are (兩句)

Persie
Persie 2011/08/06 22:21:38 回覆

一場甚麽意大利杯,我毫不在意,不過AC米蘭的柏圖在完場後三度向鏡頭用手指拉眼角扮中國人的鳳眼,我認為有辱華成分。一次都不夠,仲要做足三次,第三次羅賓奴還跟他做。你們兩隊意大利隊來中國,一眼就知是來獻媚,但你們的隊員如此,我看了心裡很不舒服。

2011/08/06 13:55:08 回覆

Persie及各位:

你們好.

 

Persie及慳妹: 既然小b要保留私隱, 咁都無法啦. 不過始終想看看穿海軍裝的他

 

Soho: 按朋友及經紀說法, 股災好似只對銀碼較大的樓有影響, $300左右的業主都不大肯減價. 港島樓及屯門樓(朋友住屯門)叫價近日更有少少回升. 不知道樓市想掂!

 

祝好!

 

 

soho*
soho* 2011/08/06 12:36:29 回覆

舅父仔, 近日恐怖和牛大雞樂廣告好似唔覺眼, 安樂晒, 換左個密集式催谷空氣凈化器 香X飄 廣告, 嘻)))) 我都中左廣告毒買左一個 $15 放係洗手間.

jenny9898, 平日我大多在這裡打牙較, blog 主非常好客, 天南地北無所不談, 講股仔又得, 講超市格價都得, 英文台又得, 中文台又得, 仲之就乜都得.

今日報章刊載了昨日經典股災的新聞及股價, 我會將主頁及財經版收落櫃桶底留為記念, 散戶的血淚史呢噢!

去旅遊充電好過日日在股海浮沉呢! 寫 blog 和回應網友都很花時間, 搵財經資料往往要花上好幾小時, 所以總結資料後我都想和大家分享一下, 比獨享成果來得更有價值, 更有意義, 在網上結識了一班網友亦豐富了我的人生, 現在回家第一件事唔係開電視, 係開電腦睇下有冇人搵我, 友誼萬歲!

話說早排曾留言講匯控及和黃炒業績的走勢  1) 上次匯控公布業績前不但冇炒上, 業績後更拉住港股碌落山  2) 上次和黃公布業績前大幅炒上, 業績後就掉頭一直碌落山, 兩者都係公布業績後無論業績如何股價都插水, 我留言提醒大家避險, 結果匯控及和黃的表現一如我所說, 原來歷史正不斷在重演, 信者得救. 

好耐冇見, 真係大吉利事, 股災才現身, 你去上杜嘯鴻老師的堂, 想必獲益良多, 有冇心得可以分享一下?

出街喇! 886

soho*
soho* 2011/08/06 12:25:13 回覆

降評級! 要發生的始終要發生, 但令人氣餒的是全球資金仍是湧向美國, 地球的一哥啊! 地球咁危險, 就係多得呢個大哥大, 我想去外太空避險就係怕左佢, 地球上每單大鑊野都係佢地搞出黎既, 神憎鬼厭的賤美

chanreborn
chanreborn 2011/08/06 11:35:37 回覆
標普降美評級 白宮:嚴重計錯(更新)

 

負債沉重的美國終被降評級,評級機構標準普爾(Standard & Poor's)公布,將美國主權信貸評級由最高的AAA,降至AA+,評級展望為負面,即可能於未來12至18個月再調低評級。不過,白宮官員回應指,標普分析出現嚴重錯誤,數據計算錯誤高達約2萬億美元,但標普則不願認錯。

標普指,關注美國的財赤及債權人增加情況,下調評級是反映美國政府與國會,最近達成提高負債上限及削減預算赤字的協議,未能穩定政府的中期債務問題;至於美國決策機關的處理問題的效率及穩定亦轉弱。

標普表示,有機會於未來兩年內將評級降至AA,若減少開支情況較預期為少、息率上升,或新的財政壓力出現。

不過,美國CNN引述白宮官高級官員指,標普分析出現嚴重錯誤,而有關數據計算錯誤高達約2萬億美元。該名官員指,標普已知有關錯誤,但仍維持其下調評級的決定,而白宮將處觀望態度,希望該分析將面對外界的評審。

標普主權評級主管John Chambers回應批評時指,不認為有何實質不同,因並不改變美國債務對國內生產總值比率的事實,將會於未來繼續上升。

美國聯儲局指,調低評級不會影響其貼現窗及公開市場操作,而美國國債相關證券產品的風險水平亦不會改變。

至於評級機構穆迪早前表示維持美國主權評級為AAA,而惠譽則表示仍在檢討有關評級,將於本月底公布其看法。

美國遭降評級料將增加政府、公司及消費者的借貸成本,摩根大通料將令政府每年借貸成本增加約1000億美元。美國總統奧巴馬亦曾指,調低評級將令消費者借貸成本增加,可能因而影響經濟。

市場預期中國將關注美國遭降級事宜,因其持有逾10萬億美國國債。中國曾多次呼籲美國需妥善處理債務問題。‎

不過,富國銀行外匯分析師Vassili Serebriakov指,對於美國遭降級並不是完全出乎意外,而美元匯價已反映部分影響,料美元將會進一步受壓,但認為急跌的可能性不大,並料投資者不會大手沽美債。

美國兩黨早前就調高國債上限一事爭持不下,最終僅僅於限期前才達成共識,計劃於10年內削減財赤約2萬億美元,但較標普認為需要削減的4萬億美元為少。標普於7月14日曾表示,若美國未能提供一個可信的減赤方案,將會降低其評級。

另外,面對周五的全球股災,加上歐洲債務危機蔓延,意大利總理貝盧斯科尼表示,七國集團財長料將於數日內商討全球經濟恐轉差及歐債等問題。他認為現時情況需要各國聯手干預市場,而並非只是歐羅區國家。

chanreborn
chanreborn 2011/08/06 11:31:53 回覆

HI PERSIE , LET'S HAVE SOME CONFIDENCE IN YOURSELF TOO..

WE ALL CAN BE BETTER THAN JOHNNY

P.S. i WON'T SAY JOHNNY IS BAD BUT JUST USE HIM AS A BENCHMARK..FOR ME JOHNNY IS NEUTRAL !

2011/08/06 08:49:57 回覆

SOHO,都係跟你過來呢度﹗

Persie
Persie 2011/08/06 01:53:37 回覆

越來越覺得,投資投機都唔贏錢,跑輸給Johnny

 

都不知為何還要在股海打滾。

 

看足球好過啦。

 

chanreborn:  Udinese is tough, but let’s have some confidence in our beloved team. I dare not think of us being eliminated.  This simply cannot happen. Otherwise it will be a huge blow, one we cannot take. Will Cesc play? ? ?

Persie
Persie 2011/08/06 01:37:17 回覆

馬仔:度假好吖,遠離暴跌的股市,開開心心。

Persie
Persie 2011/08/06 01:35:27 回覆

soho:今日唔買貨,只因為相信遲下可以更低價位買入,只此而已。當然可能是錯啦,家常便飯,哈哈。

chanreborn
chanreborn 2011/08/06 00:03:23 回覆

馬仔 so sweet  馬仔 so sweet  馬仔 so sweet  馬仔 so sweet   馬仔 so sweet   馬仔 so sweet    {#icono_14}

soho*
soho* 2011/08/05 23:43:46 回覆

{#icons_panda10}    馬王爺 so sweet .so sweet .so sweet .so sweet .so sweet .so sweet .so sweet ......

{#icono_27}  soho 發大財.發大財.發大財.發大財.發大財.發大財.發大財.發大財.發大財......

幪面馬仔
幪面馬仔 2011/08/05 23:16:23 回覆

馬王爺, so sweet.............OH my sohobaby, no mention as everyone knows it.

But a fib telling in thousand times it will become true. so say more la {#icono_46}

soho*
soho* 2011/08/05 22:59:01 回覆

chanreborn, 基金贖回後通常d資金都無咁快回流入股市, 現時形勢凶險, 我覺得等股市跌定回穩才出手是對的, 但就算唔入貨都可以趁大跌市沽出垃圾股/弱股換入心儀的優質股, 將來反彈也會強勁些, 前景亦會更好, 如果覺得跌到殘晒唔捨得沽清都可以沽一半垃圾股/弱股, 用套現資金來換碼, 這個做法無須加入新資金, 又可以執下個倉, 優化組合, 無壞啵! 又假如下周有技術性反彈, 若看淡後市, 亦可考慮反彈時減倉.

有危才有機, 不應坐以待斃, 換個角度來看, 股災是給予投資者重整倉內組合的大好機會, 否則有些優質股的股價永遠高高在上, 入唔到貨, 朋友問我有高速全動.中國南車點搞, 我話我會合埋眼丟左呢d死股, 將套現資金換入內銀, 坐幾年一定可以翻身.

做功課方面, 我會睇下心水股在股災日的表現, 看看高位/低位同收市價的差距, 睇下反彈力度如何

股匯勢危, 斷估各國央行未來幾日一定會做d野去舒緩市場的負面情緒, 當然, 美股今晚能否作出反彈亦是關鍵

美股連日暴跌, 隨時會作出技術性反彈, 今日下午大鱷刻意沽多一浸殺埋20800/20700牛仔, 淡友趁機拿拿臨食糊, 袋袋平安, 可能淡友亦擔心各國央行未來幾日會出招救市, 再加上有投機者入貨搏反彈等等, 我相信就是港股尾市跌幅收窄了300點的原因, 但中移及匯控尾市沽壓增加低收就唔係幾妥

今日港股跌到阿媽都唔認得, 開市時國指比恒指弱, 但半日收市我見恒指跌 4.75%, 國指跌 4.73%, 國指比恒指強一點點, 是好現象, 午後港股跌勢加劇, 但尾市又收窄了300點跌幅, 收市時跌幅是比半日收市位收窄了, 亦符合了我原先的看法, 結果港股全日收市恒指跌 4.29%, 國指跌 3.86%, 國指比恒指強, 跌幅收窄.

馬王爺, so sweet......d 棉花糖

LAIN, 股災打擊樓市氣氛, 全球經濟增長放緩, 加上十月的施政報告, 睇中樓盤不妨壓價搏一搏, 有些獲利豐厚的業主可能會肯減價求售.

chanreborn
chanreborn 2011/08/05 22:49:28 回覆

Chairman : it's 50-50 between bank and the customer.. a kind of compromise..

馬仔 , it's always good to have a break as there is nothing we can do for such market crash even u stay in hkg.. Oh i think it's ice-cream or milkshake...

Soho : Wong Sir adv it's time to wait.. I think it's time to become Johnny and shout CASH is King ah ah.....

幪面馬仔
幪面馬仔 2011/08/05 22:23:08 回覆

這是棉花糖 from Bangkok

慳妹
慳妹 2011/08/05 22:07:14 回覆

chanreborn: Who share the loss 50/50? The staff and the supervisor or the staff and the customer?  That's nonsence if the customer need to bear either a nickel or dime!

幪面馬仔
幪面馬仔 2011/08/05 21:59:52 回覆

 chamreborn         當然是budget-traveller啦。不過同父母去,唔行得耐,他們會累。揀錯酒店,泳池唔得,早餐唔得(Holiday Inn Bangkok)。如河畔個D貴一千一個,但係一千夠食好多餐啦。話大減價,我唔覺。但食野就一定平過香港好多


back.. to the real world。。。。。。我今日在候機室睇到BBC話HSI跌咗千點,我以為是講昨日(最多千點,最後四百幾,)。短倉我無貨,長倉就賺蝕唔理lur。

soho*
soho* 2011/08/05 20:20:04 回覆

舅父仔, 好肯定政府派的 6000蚊都冇埋 {#icono_61}

恒指最多暴跌1241點, 仲勁過日本大地震, 你竟然忍得住唔掃少少記念品返屋企? 夠定力!

現時最大鑊係有基金出現贖回情況, 不問價沽貨套現, 港股單日跳水1200點更勝陰陰跌日日接散戶上車, 否則散戶彈盡糧絕屎得更慘烈呢噢!

現時唯一希望就係下周一亞太區股市開波前歐美會出招救市.

恒指100天線剛下破250天線, 每月10號前港股見頂魔咒果然厲害

馬王爺, 地球好危險, 要去外太空避險呢噢! 做嘜返回殘酷的現實世界?

主席, 我好乖咖! 早幾日走長倉貨都有留言, 次次見港股有乜唔對路都有大叫咖! 不過人微言輕, 得我一個講可能有偏差, 冇嘜說服力, 有主席出黎指點迷津, 可信性較高呢噢! 功德無量!

chanreborn
chanreborn 2011/08/05 19:47:16 回覆

馬仔

welcome back.. to the real world.. biz trip or travelling in bangkok ?

幪面馬仔
幪面馬仔 2011/08/05 19:23:17 回覆

sa wa dee ca.  Just back from Bangkok.

  Why all in English here suddenly ?

Was very nice weather in there,hot but not humid.

They have  airport expess now, Is easy to go from the airport to the town,no need to bargain with the texi-drivers again.haha

 

 

chanreborn
chanreborn 2011/08/05 18:28:29 回覆
THAT'S WHAT I THOUGHT THEY WILL FACE A TOUGH DRAW LONG LONG TIME AGO WHEN THEY FINISHED FOURTH..

WILL ACCIDENT HAPPEN AND HAPPEN VERY QUICKLY ?

 

Arsenal land Udinese
August 5, 2011

Arsenal's testing summer took another bad turn on Friday morning when the draw was made for the final round of Champions League qualifying and they landed Udinese.

 

Champions League trophy
GettyImagesThe Champions League trophy was won by Barcelona last season

 

• LIVE CHAMPIONS LEAGUE DRAW
• Europa League draw

Arsene Wenger's preparations for the 2011-12 campaign have undoubtedly been disturbed by the ongoing transfer sagas surrounding Cesc Fabregas and Samir Nasri but he will not get a smooth route - at least on paper - into the lucrative group stage of the Champions League.

Progress from the qualifying round would bring in as much as £17.4 million to the Arsenal coffers, but it is not assured against an Udinese side who came fourth in Italy's Serie A and sold three of their star players - Alexis Sanchez, Cristian Zapata and Gokhan Inler this summer.

Ties to be played week of August 15 and 22.

SEEDED: Arsenal, Bayern Munich, Benfica, Lyon and Villarreal

UNSEEDED: FC Twente, FC Zurich, Odense. Rubin Kazan, Udinese

Persie
Persie 2011/08/05 14:30:50 回覆

Ka ka, why don't u call the bank? You might be able to sell via phone banking. HSBC cannot fully waive my charges. They waived $100 and gave me 2 $50 supermarket coupons. Barter system?

Persie
Persie 2011/08/05 14:24:24 回覆

Did not set any order today. Quite sure the stock price will continue to go down. Even #2 and #6 went down a lot today. Sold russia fund not because I am scared but because I see a lot of downside. Also lost 20k in resources fund in just 4 days. Sigh. I might buy some AUD.

2011/08/05 09:28:23 回覆

helenchan and soho ,

Thank you ! {#icono_85} {#icono_85} {#icono_85}

 

2011/08/05 09:24:44 回覆

persie,

中國 bank 啲服務和 HSBC 一樣咁屎。

我啲 iBond 仲未係網上 Bank 搵到條數。

2011/08/05 09:16:30 回覆

she told me that if I am to hold them till maturity I need to pay $2,500 to redemption fee.  

Why ??????  {#icons_dog6}

有冇攪錯,彩你都儍。 {#icons_panda27}

2011/08/05 09:10:26 回覆

早晨呀P仔!!

Persie
Persie 2011/08/05 08:05:13 回覆

好肯定今年利潤冇晒。

有朋友好叻,沽出左好多基金,回籠幾萬美金。是他的Citibank Manager打電話叫他沽的,他說雖然美債上限成功提高但仲有好多問題跟尾。我跟啊,慘!

Persie
Persie 2011/08/05 07:58:21 回覆

今日股災日,好多平貨任執,只係執唔落手而已!

Persie
Persie 2011/08/05 07:57:52 回覆

Hi tran:  Sorry I misled you. The entire conversation was conducted in Cantonese, just that my Chinese typing is too slow so I “translated” it to English.

 

The guy I met last Friday did say occasional English words and tried to show me he speaks with an acccent.  When he says “stock” he always pronounces it as “stark”, guess he is trying to show off his US background.

2011/08/05 03:33:19 回覆

她和你說英文?若果是的話,她要好好惡補一下了。

Persie
Persie 2011/08/05 00:47:27 回覆

yes, chanreborn, HSBC is crap!

chanreborn
chanreborn 2011/08/05 00:31:53 回覆

hi persie, one of my friend told me similar incident in hsbc yday when he called up the premier hotline to buy the stock and the staff made mistakes and misquoted the wrong amount of stock which has been bought.. he complaint and at the end the staff's supervisor proposed to share 50-50 amount of the loss i.e. $ 720/720 after they listened to the record tape..

u are not the only victim unfortuately..

user

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