I had a charge I didn't recognise! Turned out it was an insurance policy I'd taken out 3 years ago via aviva HSBC but I'd not changed my address with the policy - just with my HSBC card. When I saw the random charge (I'd not noticed in previous years due to undiagnosed ADD) I queried it and the team and Fiona were SO HELPFUL in sorting it out. They helped refund me for the unknown charges even though it was partially my fault for not moving my address on the actual policy (which I had thought would email me). I have so often been screwed by companies that I was astounded at the immediate human understanding I was given and that they refunded me for this misunderstanding. I am very grateful for the customer service and has left me feeling very grateful that I'm with this bank.