Cxline, I went through the same last year. Then saw citi bank do a promotion in the "street". Took the cheap tax loan and moved everything to Citi. BIG MISTAKE !! Now I know why they needed a bail out.....
At least HSBC refunded my money in good time after my card was cloned in Thailand.
After proving various cases of bad to terrible service which they admitted to ( had the tapes pulled of conversations on the telephone) I had a strong case to break out of my Citi Bank deals, and sadly..... back with HSBC.
They all the same breed mate.