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@hippy
HSBC learned their lesson when they tried to charge me for going over my account balance. In Oz, once you hit $0, that's it, no more cash. Here, they let you continue and then charge the shit out of you for it. Call 'em up and don't put the phone down until they've removed the charges (or sorted out whatever issue you have). Moved Mal to HSBC after the jismlickers at Barclays wouldn't pay out on her phone insurance that she'd been paying for 2 years..