HSBC RETAIL SERVICES RIPOFF THEIR CREDIT CARD COMPANY work in CAHOOTS with YAMAHA, SUZUKI, HONDA, IRONHORSE, AND KAWASAKI dealerships to SCAM purchasers!! Wood Dale Illinois

I am the originator of the RipOff complaint. I went through all the normal procedures trying to get my motorcycle or excused from the loan. Notifying the lender, the merchant, the Attorney General, Consumer Advocacy, only to no avail.

What it took to resolve this issue was to purchase a chasier's check from my bank. I had the bank make the check out to the financial instute HSBC and to myself. I sent it to the correspondence department not the payment department. I sent it with a letter explaining that when they pushed the merchant to give me my motorcycle they could send me the cashier's check and I would endorse it and return it to them.

Instead what they did was send the check through their banking channels and received payment on the check without my endorsement.

I contacted HSBC and informed them that since they cashed the check without my signature I considered it a fradulant act and was seaking legal support to sue them.

Two days latter HSBC had the Cycle Shack contact me and sit up a delivery date. I finally received my motorcycle two days after the Cycle Shack contacted me.

Nothing else I had tried worked. Nothing legal, no threats, no Attorney General, no BBB, nothing. I had to think outside the box to get resolution.

But thank all of you for your suggestions. I hope that the idea I used with the check can help others. I just happened to have the funds to pay off the account so it worked for me.

Your main complaint lies with the dealer. They are the ones that have not delivered the goods. You are only killing your credit by not making the payments. You need to contact HSBC (good luck with them, I too have a complaint against them filed here) and TRY to explain you have not received the bike.

Have you signed for the title? If so, and if HSBC holds the title, you MIGHT try going to the police department and filing a stolen report against the dealer. Ask first if you can, since someone is holding the title, and you never received the item you signed for.They probably won't take it, but it's worth a try.. just STAY CALM when dealing with them. THey are people too. Would be great if you could find a cop that rides, he'll be really happy to help I'm sure.

You best and most promising course of action would to be to write the Attorney General of the state, and CC the dealership and HSBC too. Include copies of ALL paperwork, bills, and anything else you have to prove this purchase. Hopefully the entities that have ripped you off will see your seriousness and make good on your transaction.

I would also call local television stations and see if you can't find someone there who rides, and can feel your plight.. Riders tend to stick together and help each other, especially when their bike is involved ;)

Read about my ripoff here: ripoffreport.com/reports/ripoff197677.htm

For your information Mike,

I notified the Credit Card Company as soon as I found out that the dealership would not make my motorcycle available to me 30 days after the signed contractual agreement which indicated they would have it ready for me on the 30th of August.

I notified them by phone, and received a confirmation letter indicating that it was in dispute. A week latter I received another one stating that the contractual time I had to return the motorcycle was past and that the problem was now between the dealership and I.

I have written them letters explaining the entire problem to them and have talked to countless numbers of their customer support personnel. They have even sent me another letter indicating that the amount was under dispute only to turn around a week later and renounce it.

I AM NOT DISPUTING THE AMOUNT OF THE SALES. I am disputing the fact that I WILL NOT PAY for something that I have not received. I have indicated that to them and am making that clear now to anyone who reads this rebuttal.

For your information Mike,

I notified the Credit Card Company as soon as I found out that the dealership would not make my motorcycle available to me 30 days after the signed contractual agreement which indicated they would have it ready for me on the 30th of August.

I notified them by phone, and received a confirmation letter indicating that it was in dispute. A week latter I received another one stating that the contractual time I had to return the motorcycle was past and that the problem was now between the dealership and I.

I have written them letters explaining the entire problem to them and have talked to countless numbers of their customer support personnel. They have even sent me another letter indicating that the amount was under dispute only to turn around a week later and renounce it.

I AM NOT DISPUTING THE AMOUNT OF THE SALES. I am disputing the fact that I WILL NOT PAY for something that I have not received. I have indicated that to them and am making that clear now to anyone who reads this rebuttal.

For your information Mike,

I notified the Credit Card Company as soon as I found out that the dealership would not make my motorcycle available to me 30 days after the signed contractual agreement which indicated they would have it ready for me on the 30th of August.

I notified them by phone, and received a confirmation letter indicating that it was in dispute. A week latter I received another one stating that the contractual time I had to return the motorcycle was past and that the problem was now between the dealership and I.

I have written them letters explaining the entire problem to them and have talked to countless numbers of their customer support personnel. They have even sent me another letter indicating that the amount was under dispute only to turn around a week later and renounce it.

I AM NOT DISPUTING THE AMOUNT OF THE SALES. I am disputing the fact that I WILL NOT PAY for something that I have not received. I have indicated that to them and am making that clear now to anyone who reads this rebuttal.

For your information Mike,

I notified the Credit Card Company as soon as I found out that the dealership would not make my motorcycle available to me 30 days after the signed contractual agreement which indicated they would have it ready for me on the 30th of August.

I notified them by phone, and received a confirmation letter indicating that it was in dispute. A week latter I received another one stating that the contractual time I had to return the motorcycle was past and that the problem was now between the dealership and I.

I have written them letters explaining the entire problem to them and have talked to countless numbers of their customer support personnel. They have even sent me another letter indicating that the amount was under dispute only to turn around a week later and renounce it.

I AM NOT DISPUTING THE AMOUNT OF THE SALES. I am disputing the fact that I WILL NOT PAY for something that I have not received. I have indicated that to them and am making that clear now to anyone who reads this rebuttal.

You never told HSBC otherwise. The first thing to do would've been to put your account in dispute with HSBC: you were charged for something you never received. The dealer isn't allowed to charge you until you take delivery. There is a limited time by law to do this, but it's worth trying it now, even though HSBC does not have a good reputation.

Your main recourse is civil or even criminal court action against the dealer. They're the ones who ripped you off.