Pathetic customer service. Any attempt to contact HSBC other than face-to-face results in a spate of generic emails which offer plenty of platitudes but little substance of meaningful content. The words 'we will get back to you as soon as possible' now no longer mean anything to me. I have been in a dispute with HSBC for 3 months regarding a payment error; an error which they knowingly committed. I am shocked and appalled by such shoddy and amateur service. Beware. This is a bank comprised of individuals who hide behind the 'brand' of HSBC. I have never known a company more disorganised than HSBC.