I’m strugging financially. My fault, but aided and abetted by HSBC when they allowed me a 13k credit card limit and massive overdraft. Then they charged me 16% interest on a consolidation loan. At a time when they were advertising 3% loans. I had no bad credit at this time. This week I was over my overdraft limit. I needed some money for essentials until pay day at the end of the month. I had nowhere to turn so I took out a payday loan. HSBC blocked me from accessing the £75 I loaned. I have £3.40 in 5p pieces to get me through the next 4 days. Thank you HSBC.