Mate, I feel your pain. Was looking at my internet banking the other day – noticed a credit for £150 with some vague bank transfer code on it. Mmm… Spins back two weeks and see that the exact same amount went out – my new standing order to my HSBC credit card. Started getting a bad feeling. Called BOS Telebanking – nothing to do with us Sir, but looks like that payment has been rejected. Mmm. By chance my monthly statement comes through from HSBC – card suspended, £12 missed payment charge etc. WTF! Calls HSBC and they deny all knowledge of the payment – so I quote the tranfer code back to them, the one that credited me £150. Long pause. Nothing to do with us. Bring in ID, your statements and payment into your local HSBC and we’ll credit your account with the £12. Fair do’s. HSBC have a very tactile approach to banking, so next day I sit and have a coffee. Waiting patiently for the Branch Manager. Eventually we chat for a while and then she allocates a customer services dear – so we go through it all again. What you doing at the weekend she says? At this point I’m doing my best David Banner impersonation (quelling the rage within). Chitty chat is all well and good – but I’d been in there for friggin ages and it was a gorgeous lovely lunchtime I was missing. So, best part of an hour later I walk back into the office and my phone rings. Haven’t even got my jacket off. Its some 008 number, weird. Mr Evans? Is your address such and such? Yes. This is Card Services, I see you’ve missed a payment on your HSBC card? No I haven’t. Your timing couldn’t have been better as I have just had a very long discussion with the Glasgow Branch Manager of HSBC regarding why you rejected my payment three weeks ago. Ok… she says. Well your still behind with your payment and your card is suspended. No its not I said. I just made a cash payment from your cash machines – back into the Branch, not twenty minutes ago. Well could I just go over those details again, you’ve paid such and such. Clearly reading off a script and not actually listening to me, I said, look love, I’ve got work to do – thanks for phoning and hung up.