on the 4th June I wrote a cheque incorrectly for £64. It was debited to my account the following day. HSBC then put a stop on it but failed to recredit my account. the recipient nor myself have this money. I contacted India 32 minutes on phone. Tried the chat on line. went into my branch the following week with my statement showing debit. not able to help. put endless messages on line and finally sent letter to branch last week. have now been told they will sort by 18th September!! I wonder what interest they would charge me if I owed them money for over 3 months. This is poor service.