HSBC Mastercard account used several years ago not even to the limit which was only $620.00. Have paid on it timely ever since and many times paid up to triple the amount of the min. payment.
I became very ill and knew that my medical expenses were going to hurt me financialy. I wrote to them before ever becoming late telling them of my circumstances and asking if they would work with me on a solution that would benefit the both of us.
They ignored my repeated letters. I called and asked for another address to write to and they would only give me a fax number.
The phone calls to me started and were continuios back to back 7 days a week. I told them over and over of my medical conditions and what these constant phone calls were doing to me. They intimidated me and made false promises of match pays to get me to give them a check by phone which I did several times.
I even skipped purchasing the supplements I have to have to live one month and made a back to back payment to show my good faith without a call from them.
None of my efforts did any good whatsoever, I wasted my time, money, strenght, and a many anxiety attacks for no reason.
On the night of December 1, 2005 I was called six times within a 4 hour period and each time I told them the same thing and each time I was aquised of lying and told they would not have offered a match pay because they knew they were not allowed to.
As the calls progressed I got more and more upset and my anxiety attacks started next to the last person I spoke to was a so called manager and she was the worst of them all, she called me ignorant, stupid, said that I purpously did not make the last two payments and she was tired of my letters. ( Now I had been told prior to that they had not ever recieved any letters ) I have the copies and the fax confirmation for each one since they would not give me a mailing address. While this woman yelled, called me names and made acqusations I asked her to hold I was sobbing and throwing up from the anxiety over the 4 hour period.
She ended the conversation after more than 45 minutes very nastily and hung up on me. Luckily I keep very accurate records and had her name, date, time, dept. etc. I called back this time the call was routed to collections and I got a very nice man who had to ask me to take a breath and calm down he could not understand me. I told him what had taken place that night and he said he was putting in a report as we spoke he also said that if I called the complaint dept. they would honor the promises the employee's offered me all those times on match pays and fee reversal, I asked him to hold and attached my casette recorder to the phone with the ear piece told him he was being recorded and asked him if he would mind repeating that and he did so for me.
I have sent letters for them to cease all contact with me they ignore I sent a complaint of Harassment Letter along with a copy of the FDCPA Laws and they turned around and gave it to "Debt Collection Attorneys" Wolpoff & Abramson, L.L.P. and they start calling me back to back. A few days ago I sent a letter to them with a copy of the harassment letter I sent to HSBC and the FDCPA Laws. We will see what happens next.
In the meantime I checked all three credit reporting agencies and each one says something different.
I am having almost the exact same problem with the JC Penney Credit Card company also.
I did what I was taught growing up to keep in touch with your creditors if your having problems and they would be more willing to work with you . NOT SO with HSBC and JC Penney.
They have cost me more in the long run than if I had just have bankrupted in the begining instead of trying to do the right thing.
I agree with another post on here about HSBC's rude and harassing tactics and thier lies of promises to match pay and remove fee's. That is what took me over the limit and over my budget amount of my monthly paynments to begin with. I was well under my limit when this started now it is over a thousand.
The Account Secure Plus aka BFI of Nevada Insurance I paid for all that time is also a joke. They can not even send me the correct form to file and now are just ignoring me altogehter.
I apologize for such a long post I had a choice of reporting each of these people involved at once or each seperatly. Since they are all tied in together I chose to do it all at once.
For the exception of JC Penney, however they are doing the same things.
Prince George, Virginia