Spent over an hour waiting for someone to answer my call, and when I DID eventually get a person to deal with my issue it's normally someone from another country with an accent that you cannot understand. This has happened to me every time I have tried to contact HSBC, which has been many years. HSBC recently froze my account because I didn't return the safeguard form that they requested from me, so I decided it's time to transfer my business to my other bank. It takes a big effort for me to make this change because of the consequences. it took over a month for the transfer even though I was told it would take 7days. This caused all my standing orders to be unpaid causing other problems.