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HSBC has been solid.
They probably sent you a letter, in the same envelope they send spam and bullcrap offers.. except this one informed you that these new fees would kick in on such and such a date. Maybe it was on a statement, or maybe an insert along with your statement. They all do that shit these days. But "we dont log who makes changes" is pure shit, someone just couldnt be bothered.
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43-922-863 Shut up and play your guitar. 
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