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@The_Seldom_Killer
Vinylvillain, you are probably a victim of automation. HSBC will have rest the risk calculators based on account activities and made the changes automatically without human intervention.
I would suggest setting up a meeting with your branch manager to discuss the matter and delivering an ass kicking. Complain about the inconvenience, lack of communication, impact on your business and embarrassment of not being able to spend your own money whilst in credit. Offer to relocate your company finances without restitution. I reckon you should be good for £50 for about half an hours work.