HSBC are fine until you have to talk to somebody, you phone up, yet end up speaking to someone who's grasp of English is very poor and who's comprehension is even poorer. I recently checked my credit file online with Experian and it showed 2 payments for my loan being 2 months late, I've never been late with any payments so I phoned up and spoke to Abdul Ahmed whatever his name is who didn't have a clue as to who Experian were, I asked him to put me through to an English call centre "Sorry sir, you have to ring again and maybe you get call centre in England", after 3 attempts I never did get anyone who could help me and had to file a correction with Experian directly (which is apparently is not very healthy for your credit worthiness).