SIMPLE...
When checking out, Click 'Forgot VBV Password'...fill in the details,
It will ask you for Name on Card, Expiry Date, CVV, DOB, Billing Postcode and sometimes Sort Code.
Once you reset the password, if the card has balance, you're good to go.
Hurry though, I heard HSBC will be introducing OTP like all other UK banks soon.
You're welcome