Locked our account because it was Joint and I had updated my details, but my husband had not. No notification or letter sent to the new address or my email that we needed to do this. Talked at length (2 1/2 hours) on the phone to Raul, in Manchester who then decided my husband didn’t give enough answers to verify him and told him he had to go into a branch with ID (we live in Canada!). Completely disregard for us as long time customers. He had already identified me successfully! Very frustrating experience and we will never recommend HSBC again, after more than 15 years of business we are totally disappointed with the experience.