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I am an HSBC Premier client but have received totally unprofessional treatment by a C. Smith (no prefix so I don't know whether it is Mr. Mrs or Ms) from Swansea who calls him/herself Senior Manager. If this person is the best that HSBC can hire then the whole management team is in trouble. On 15 October, C. Smith wrote to me advising me that I was £190.40 overdrawn. I replied and explained that I have an arrangement with my own branch that my current account is to be automatically kept in funds at all times (taken from my savings account) which was authorized with the previous Manager and now with the current one. I copied my Premier Manager who confirmed this arrangement. I received another letter from this irritating little person dated 27th October repeating his/her officious message. I replied on the 29th November and said the same thing as in my earlier letter. C. Smith has now told me in yet another borish letter deated 18th November that my overdue balance of £190.40 has resulted in my overdraft facility being cancelled! I should point out that as I live in the USA mail takes 10 days sometimes to be delivered both here and back to the U.K. In my last letter dated 29th November I stated "if you are in the business of keeping customers happy you owe me at the very least an appreciation of the fact that I have answered your initial leter. I also think you need to admit to your title rather 'C.Smith' which is unprofessional and shows a lack of business etiquette.' I ended by saying "if I don't hear from you, I shall go above you until I do"......i hope this means of communication better results and I hope C. Smith is sent to a class on Customer Relations!