Sorry if I sound like a SCB salesperson. I am not. I also have some problems with their customer service at the moment and they seem a lot more disorganised than HSBC. I am opening a mortgage, credit card, current account, and savings account with them and it seems like they are 4 completely separate departments that dont talk to each other. I am sick of repeating myself to 4 different departments all the time. They even have my old address and new address in their database and keep sending different paperwork to different addresses.