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HSBC closed my account without warning when I came to England as a student last year, I complained I was told I would be aloud to open an account when I come to live back in Guernsey, I'm unable to open an account in England as I'm only here when studying so my home address is in guernsey. I've been left paying for one of these stupid pay as you go cards. Ill never go back to hsbc, unfriendly and no loyalty.