Dear Mr Roberts
…Based on the information provided, I can
see that HSBC has made a commercial decision to close your accounts in line
with the terms and conditions of the account. I can understand that after being
a customer for a long time, you would be disappointed to find this out. While I
do appreciate that this distress was genuine, this was not ultimately caused by
the bank making an error… I appreciate that it did not give a reason and I
understand that this is inherently unsatisfactory for you, but HSBC is not
obliged to give a reason, and our service cannot require it to do so…
Yours Sincerely
Scott Walker
Adjudicator