'Hello Mark, this is Neil,' said the friendly voice at the other end of the phone. 'I'm calling from HSBC in the UK to see if we can offer you any services. But first I just need to check your security details.' Yeah, right - nice try 'Neil'. The first response of most would be to alert HSBC to Neil's existence as soon as possible - but how? The only telephone number for Britain on HSBC's global website is answered - but by someone who swiftly, though politely, passes you on to 'general enquiries'. This turns out to be call-centre employees who are under the illusion you have a problem with your credit card. The website offers no e-mail address and, in the time it takes for a letter to travel from here to the London address, Neil could have called thousands of people and wheedled account information out of hundreds. It may be that such scammers cannot be stopped or caught but if a bank were serious about looking after its customers, it would at least deploy an easy-to-find hotline so advice could be sought and details of ongoing scams shared - right? If any HSBC employees happen to be reading, would you be so kind as to tell me if I should be worried that Neil knows where I bank and how to contact me?