Lordy, lordy.

They don't learn, do they?

The Gorse Fox received a text message"

HSBC: A new payee was added to your account on 19/05/20. Please confirm or cancel this request via (website address).

This is the second such text like this. He didn't respond to the first one, and won't respond to this. It's a scam. How does the Gorse Fox know? Well, the fact that he doesn't have any HSBC accounts is the biggest clue.