１０個工作天搞定大貓取回多收股息稅

２０１７年１２月１５日（星期五）收到存放在大貓證券戶口的 Qwest Corporation 6.75% Notes due 2057 (CTDD.NYSE) 的債券利息，但大貓卻當成是股息，扣了３０％股息稅。

２０１７年１２月１８日（星期一）先收到結單，才可以有 reference number 跟大貓理論。放咗工夜晚黑寫 email，大貓收到已是１２月１９日（星期二）了。

Hi HSBC,
Regarding the interest payment of QWEST 6 75 NTS (CTDD : NYSE) (Ref: CORHKSXXXXXX), HSBC has charged me the 30% withholding tax.
However with reference to the prospectus, the 30% withholding tax should not be applicable to non-U.S. holder :
https://www.sec.gov/Archives/edgar/data/68622/000119312517128424/d371462d424b5.htm
QUOTE
Non-U.S. Holders
Payments of Interest on the Notes. Under the “portfolio interest” exemption and subject to the discussion below concerning FATCA withholding, the 30% U.S. federal withholding tax that is generally imposed on interest from United States sources should not apply to any payment of principal or interest (including original issue discount) on the Notes
UNQUOTE
In this connection, could you please look into this subject matter and, if appropriate, refund the wrongly charged the 30% withholding tax (USDXXX) to my USD saving account XXX-XXXXXX-888?
For further query, please feel free to contact me at 9XXX-XXX or email xxx@xxx
Thanks and regards,

網上理財網頁話三日內回覆，於是魔術師等了三天，見大貓無回應，便在１２月２２日（星期五）打去熱線同佢做冬，終於有個「高級扑濕客戶十卜主任」回應，拖住魔術師先，九成九要同美國交收部商量下。魔術師毋需理會，只要大貓有個 contact point 俾到過嚟就得，以後就一於死 chur 住佢：

跟住係聖誕假和新年假，放假氣氛濃厚，就連魔術師自己都休多兩天，故此亦不便追問。到得２０１８年１月２日（星期二），明知大貓我城日間辦公時間只會收到１２月２９日美帝大貓的回覆，睇死班美帝 hea 精唔會點做嘢，所以留返１月４日先打去問。結果又係同一樣，「後勤部門同事跟進緊」。
點知話口都未完，「高級扑濕客戶十卜主任」已寄來電郵，話原來退款已於１月３日完成（應該係半夜趁魔術師訓咗轉錢過來）。點知，魔術師一睇來郵就真係打個突，阿高級主任打錯字，竟然話「refunded to my USD saving account」都得...

算喇，唔咬文嚼字嘞，總之收到錢就得喇！