On last December I open a bank account on the very known HSBC bank. The reason for opening was the stock market, but because the bad time for shock investing the bank account wasn't useful anymore, I didn't close the account but I keep the minimum money of 10.000 HKD. On February the bank account by mistake was out of money (I took them for a wile but forgot to put money back) so on March they start to charge me about 60 HKD and so every month as penalty for an under 10.000 average for the last 3 months! According to the conditions for bank account keeping I'm obligate to have 10.000 average on my bank account for the three last months, in this condition the bank could charge me for the two next months after March, that mean April and May if I don't put on the account 20.000 HKD in April or 30.000 HKD in May!
I went by my self to the bank and I ask to talk with somebody about this problem because I had so many charges from the bank that I couldn't explain. I insist that to charge me 60 HKD, as the condition is, should past 3 months each time, that means that they could charge me once on March if my average for the time from December to March is not 10.000 and one more time on June if my average for the time from March to June is not 10.000.
I don't know If my interpretation was right or not, but the bank gave me back a piece of the money they charged me!!
I find very strange how easy the banks in Hong Kong give back money to the people when they ask for! My girlfriend (she is from Hong Kong) start a ridiculous court against a bank and she win in an unbelievable way (in fact the court never round off until the end, the bank pay the money and the court was canceled), without any legal preparation or even a study about the case or something. I was sure she could never win that court, in Europe I'm sure she couldn't win in that way!