HSBC banking services are deteriorating over last couple of years. HSBC staffs are in denial & they believe every thing is perfect. I have been with them for about 11 years & used to phone them every couple of years when I faced a banking problem. Nowadays, I have to phone them couple of times every months at least. Most of their staffs are unexperienced, can not sort out my banking issues, long wait to get hold of one of their agents. Today it took me 31 minutes in total to speak with two agents with a very difficult to understand Indian accent & they did not solve the problem. It is nightmare to continue banking with them. It is waste of time & money to deal with such bank & its inefficient staffs.