First of all, the application portal keeps having an error. The recommended fix is always "press the Back button then resubmit".
This even happened when I finally submitted the application. I wasn't prepared to hit Back and send again, just in case it goes for another check of my credit record and like I need that blip on the record.
Did I mention that at the start of the application process that the portal said it would email me my reference in case I needed to resume later? No such email appeared. Lucky I wrote down the reference.
Try resuming the application, so I can find out if it went through or not, despite the error. The application did not go through. Furthermore, half of it is incomplete, despite me typing it all in earlier. So go through, refill the info, submit again. No errors this time.
Convoluted ID check process involving an SMS to mobile and different URL to take photos of IDs and your face. Had to complete it twice due to network error.
Back to main application process. Now to prove your income by using bank statements. Application website says two choices: upload your bank statements, or allow our automatic service to retrieve them for you. Frustrated but against better judgement, I use the automatic process. It seems successful but it just redirects you back to the same "upload your bank statements / automatically retrieve" portal, even after the confirmation and even after you say you have no more statements to upload.
Find an email sent to me that I'm conditionally approved but I need to upload bank statements (which I thought I just did) or payslips, plus go into a bank branch for an in-person ID check.
Find the little time I have today from work to go to the one branch to do the ID check. Get told that because I used a passport as my application ID, I need to present my passport. How hard should it have been in the automatic email process to include that in the email so I would have known that they are expecting my passport. So I had to leave work temporarily for basically no benefit at all.
Oh, and the agent at the bank said that I also need to bring in my payslips, even though HSBC has already captured my bank statements for proof of income.
End of the cheese.