Eh, I doubt it's an ad - I left hsbc many of the same reasons. Final straw was trying to get my data from them, which they are obligated to provide in some sensible format and simply wouldn't. Indeed after a couple if escalations they were insisting that all data internally was only kept on pdf beyond a six month horizon, which was blatantly wrong for a whole cavalcade of reasons. Unethical in the large and useless at a retail level, never want anything to do with them.