HSBC are vultures of the worst kind. They prey on kids going to university and offer free credit, but of course their credit is phantom money. They hook youngsters into the junkie system and the government goes along with it. It shouldn't be allowed. The current scandal is really bad, but HSBC is a despicable organisation that should be out on its fucking ears for hurting poor young people.

All of the UK banks are up to this kind of thing and it is abuse. You try being a young poor person and having no way up. There is no way up in UK society and trolls like HSBC offer their hand and like Shylock offer deceptive deals. Fuck them. Withdraw your money, screw them over. You owe nothing to them and if they come looking then rip them to shreds.

Their behavior means everyone has the right to rip off HSBC and so they should. There is no moral argument to say you are wrong.