My son has an account with them. When they allowed him to accidentally overdraw they charged him heavily. He applied for an overdraft facility and they turned him down. His charges total £225 for a six week period. He is a student with a part time job earning around £200 per month. How can he be expected to get out of that trap while they charge him more than half of his monthly earnings in charges? He is now dead against ever doing business with HSBC once he is in full time employment.