Me & my husband had and r still having bad experience with HSBC. one of the things they did is that they were charging our account the annual credit card charges on a yearly basis when we had actually closed the credit cards accounts 2 years back!
I advice everyone, keep checking your bank transactions espically the system generated ones, cuz they deduct money without u knowing it. and if you don't check you wouldn't know where the money went.

I HATE HSBC