Oh they
do.
You probably dont get any UK channels where you are (Us right?), unless you have Sky, I guess.
Ever seen 'Watchdog'?
Banks like HSBC like to charge people stupid amounts for admin, say, £35, when it only cost them £3.50p. :thumbs_do
So...when people complain, and take back their money (which they are entitled to do), the Banks (inc. HSBC) have been known to shut down their accounts because the relationship between bank and customer is "damaged".
The only reason its "damaged" is because the customer demanded a refund...which they are allowed to do.
Basically, many banks in the UK are run by morons and bullies.
So I guess HSBC isnt a good business at all. I dont think Barclays is either-they keep charging me for an account, and Im pretty certain that theyre not meant to take that much...could just be me though.

Mind you, I need to get a decent interest-free account...