By Lars Mucklejohn HSBC has been slapped with a £6.2m fine by the UK financial regulator over failures in its treatment of customers who were in arrears or experiencing financial difficulty. The Financial Conduct Authority (FCA) said on Thursday that deficiencies in HSBC’s policies, procedures and staff training meant it sometimes took “disproportionate action” when people fell behind on payments, which risked them entering greater financial difficulty. HSBC failed to properly consider people’s circumstances when they had missed payments, meaning it did not always do the right affordability as…