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I was an employee of the HSBC Auto Finance division and I would predict “never”. The Auto Division closed in August of 2008. The employees were told the bank could get better returns in emerging markets. It is a London based bank. I am curious what returns they produced during the last year. The San Diego and Lewisville offices were closed at that time. Your article says the acquisition include’s HSBC’s loan servicing facilities and most of the 700 employees at the two locations. You may need to re-check this information. Unless it was all a big conspiracy to get rid of me and they are secretly in business.