Out of all the incompetent people you mentioned, why did you feel the need to refer to another incompetent, who happened to be Indian, as the Indian dude. :( ... little things like this constantly remind me of our perception in the world.
It's because all those big corporations outsource their customer service to India and surrounding countries, and whenever we get a call from those outsourced agent, they're always unable to do anything because they're not given access to the big corps network. So specifying 'Indian' most likely meant that - the typical outsourced customer service - instead of being a specific rant about the nationality. It could be any other nationality if the Call Centre of this World were held somewhere else.
Now I'm not saying this is appropriate or not, I'm just explaining the reference.
The Indian guys I speak to are never incompetent. They're always super helpful and friendly. I pointed out that he's Indian because it shows, for me, that HSBC cares more about bottom line than they do the user experience. It doesn't mean that the guy can't provide the same level of support than someone in the UK, but it does mean that a whole bunch of users are going to phone up and have problems with the accent or feel that the support team is disenfranchised from the bank, and misattribute a negative outcome of the incident to the fact that the person is Indian. Whilst I'm super cool about Indian CS I really hate phoning Sky's customer team which is based in Scotland. My family is Scottish and even then I find some impossible accents up there.
