WORST DAMN CUSTOMER SERVICE EVER!!! TRANSFERED AT LEAST 20 TIMES, ON PHONE FOR AT LEAST 1 HOUR HUNG UP ON AT LEAST 5 TIMES, AND FINALLY TRANSFERED TO HSBC LOLOLOL...COULD NOT F*ING BELIEVE IT...THE MOST RIDICULOUS SERVICE I HAVE EVER RECIEVED...EVER!!! I AM STUCK WITH THEM FOR 30 YEAR MTG...I COULD JUST KILL MYSELF...I HATE BOA MORE THAN ANYTHING !!! THEY SUCK!!!