Resolving any problem with HSBC is a nightmare. You can never speak to the same person. Directions to resolve a problem given by one employee is apparently never served with any others. Carefully following directions given by your employees never seems to resolve a problem. When we re-fied we didn't even consider HSBC even though HSBC had our original mortgage because we were tired of the endless hassles. Any problem gets bounced between employees in the Philippines and Buffalo NY and non of their employees seem to have any idea what the others are doing or how to resolve anything. DO NOT UNDER ANY CIRCUMSTANCES BANK HERE. The worst private sector bureaucracy I have ever dealt with.