At midday today, naíve little Spad went to visit his local branch of HBSC on the university campus in order to transfer some money out of his account.
Upon arriving at said branch, Spad dutifully queued for 15 minutes while many foreign students converted the GDP of a small nation into pounds sterling. When he finally reached the counter, Spad was informed that - as the bank was busy - he couldn't actually carry out any transactions at the counter that didn't involve paying money into HSBC and that he should use "The Phone".
The single phone in the bank had a large queue and no number, so Spad couldn't use his mobile. After queuing for another 15 minutes, Spad managed to locate a well hidden booklet with the HSBC phone banking number on it and rang them. After 5 minutes on hold, Spad was politely informed that he couldn't make any transactions until he had a security number. Said security number was only available by filling out forms, which would be posted to him at his home address and would take "about a week" to arrive.
By this stage Spad was more than a little pissed off with HSBC.
Spad then spent 20 minutes in traffic trying to get to the next nearest branch of HSBC in order to withdraw all of his money and tell them where to stick their account. After finally managing to close the account, Spad was informed that he would have to wait at least 3 days before he would see any of the money that he needed.
Spad is now about to ring the HBSC Customer Relations Helpline and use lots of obscenties to convey his general lack of appreciation for HSBC's high level of customer service.