Consumer guides
Problem with your bank, credit card or telecom provider? These guides walk you through what to do, how to complain and how to get your money back.
Identity theft in Hong Kong: HKID lost or leaked, or an account opened in your name?
Lost your HKID, had your data leaked, or received collection letters for a loan you never took out? This page explains what to do now, how to check whether someone has used your name, and how to ask banks and lenders to fix it.
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Huge roaming bill? How to check charges and dispute it in Hong Kong
Back from a trip to a roaming bill in the thousands? This page explains what to do now, where to check charges, what your carrier should warn you about, and how to complain.
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Wrong FPS transfer or scammed? How to try to recover your money
Typed the wrong number on FPS, added an extra zero, or realised you’ve paid a scammer? This page explains what to do right away, how banks handle it, and how to avoid it next time.
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Can I make an insurance claim online and track its progress?
Don’t want to post paper forms? This page lists how to claim online with major Hong Kong insurers and banks, what documents to prepare, and how to follow up.
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Declined for insurance? What it means and how to reapply
Applied for medical, life or critical illness cover and been declined, charged a loading or given an exclusion? This page explains the difference, whether insurers will know your history, why you must disclose truthfully, and what to do next.
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Insurance claim rejected? How to appeal a medical or travel claim
6 steps to ask your insurer for a review, with insurer contacts, a complaint letter template and how to escalate to the Insurance Complaints Bureau.
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Older parent sold a long telecom contract? How families can check, cancel and complain
Multi-year contract full of add-ons they don’t need? How to check the contract, cancel extras and complain, with the Consumer Council elderly hotline.
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Still paying after your broadband contract ended? Telecom auto-renewal explained
Contract over but still being charged, or the fee went up? How to spot auto-renewal, cancel service and claim back overcharges, with every operator’s contacts.
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Credit card fraud? 5 steps to act fast and get your money back
Spotted a charge you don’t recognise? How to freeze your card, request a chargeback, plus every bank’s lost-card hotline.
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Unfair bank fee? How to get it waived, refunded or complain
Charged a low-balance, account or card annual fee? How to ask for a waiver or refund, with every bank’s complaint contacts.
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