Don't ever apply for a loan on line it's a joke, I received email form the bank with the title "Same helping hand..." to invite me to change my current loan rate. So I thought great that I can re applied to be turned down the percentage. I went to the my internet banking and applied online. I was waiting a much longer then 24h for response and they event did not phoned me to discussed, the underwriter Jo A....... just sent a cold message that the nothing they could do, they have to decline my application this time because I have to much under my name. I am paying all my bills without any delays even my current loan with the bank. We have joint account with my husband and we don't have any other account so everything is paid from HSBC account and should be spited for 2 as I do all finance in our family, that including most bills, phones, car insurance itp.. I was expecting a call not just a message, I did not expect this from the bank at all, this is disgusting, she writes to me as a responsible bank, it is ridiculous. I know now why they have only one star, think need to find another bank. Bank no longer treat anyone like a human, sad. Need to think about moving to other bank.