HSBC Retail Services Phone Pay Scam Why do I have to pay $15 to pay over the phone when you lost my payment!! Schaumburg, Carol Stream Illinois

I feel so sorry for you, that you went through what I have been thru, when I read your story it is so familiar.

I was hit with so many late fees and over limit fees that I now still owe $657.20 on the account and it is all late fees from the history of my account for the past two years. I always sent in my payments in at least 6-7 days before it was due.

What I have now done is pay my bill online. Now I can see my balance going down rather than up. I was making the monthly payment every month and when I got my next statement I owed more than I did the month before. For the year 2006 I did an analysis of the Best Buy Retail Services account and I owe more at the end of the year than I did on January 1 2006. I cut the card up in 2003 and never used the card again, only set out to pay it off. With making payments solely to payoff the account in 2003 I owed $153.48 and now 2007 I owe $657.20 and I make my monthly payments every month. The increase is solely due to late fees and the 36% interest rate.

I would suggest to pay the bill online at http://www.hrsaccount.com you can pay your bill online, view your statement, receive email alerts about your account, account alerts, where they e-mail you when your bill is due and when a payment has been received, or if it past due and amount due.

Now that I have made that switch to online view of account where I still get my paper statement and on that day I just go on line and click to pay the minimum due. Then I mail an extra payment to help get this paid off.

What ever you decide do NOT sign up for Go Paperless Electronic Statement Delivery, that will be a big mistake. I have a friend who went for the Go Paperless and she ended up with late fees, over limit fees and bad credit. She is now going thru a nightmare trying to start recieving paper statements again and get the account up to date.

I feel so sorry for you, that you went through what I have been thru, when I read your story it is so familiar.

I was hit with so many late fees and over limit fees that I now still owe $657.20 on the account and it is all late fees from the history of my account for the past two years. I always sent in my payments in at least 6-7 days before it was due.

What I have now done is pay my bill online. Now I can see my balance going down rather than up. I was making the monthly payment every month and when I got my next statement I owed more than I did the month before. For the year 2006 I did an analysis of the Best Buy Retail Services account and I owe more at the end of the year than I did on January 1 2006. I cut the card up in 2003 and never used the card again, only set out to pay it off. With making payments solely to payoff the account in 2003 I owed $153.48 and now 2007 I owe $657.20 and I make my monthly payments every month. The increase is solely due to late fees and the 36% interest rate.

I would suggest to pay the bill online at http://www.hrsaccount.com you can pay your bill online, view your statement, receive email alerts about your account, account alerts, where they e-mail you when your bill is due and when a payment has been received, or if it past due and amount due.

Now that I have made that switch to online view of account where I still get my paper statement and on that day I just go on line and click to pay the minimum due. Then I mail an extra payment to help get this paid off.

What ever you decide do NOT sign up for Go Paperless Electronic Statement Delivery, that will be a big mistake. I have a friend who went for the Go Paperless and she ended up with late fees, over limit fees and bad credit. She is now going thru a nightmare trying to start recieving paper statements again and get the account up to date.

I feel so sorry for you, that you went through what I have been thru, when I read your story it is so familiar.

I was hit with so many late fees and over limit fees that I now still owe $657.20 on the account and it is all late fees from the history of my account for the past two years. I always sent in my payments in at least 6-7 days before it was due.

What I have now done is pay my bill online. Now I can see my balance going down rather than up. I was making the monthly payment every month and when I got my next statement I owed more than I did the month before. For the year 2006 I did an analysis of the Best Buy Retail Services account and I owe more at the end of the year than I did on January 1 2006. I cut the card up in 2003 and never used the card again, only set out to pay it off. With making payments solely to payoff the account in 2003 I owed $153.48 and now 2007 I owe $657.20 and I make my monthly payments every month. The increase is solely due to late fees and the 36% interest rate.

I would suggest to pay the bill online at http://www.hrsaccount.com you can pay your bill online, view your statement, receive email alerts about your account, account alerts, where they e-mail you when your bill is due and when a payment has been received, or if it past due and amount due.

Now that I have made that switch to online view of account where I still get my paper statement and on that day I just go on line and click to pay the minimum due. Then I mail an extra payment to help get this paid off.

What ever you decide do NOT sign up for Go Paperless Electronic Statement Delivery, that will be a big mistake. I have a friend who went for the Go Paperless and she ended up with late fees, over limit fees and bad credit. She is now going thru a nightmare trying to start recieving paper statements again and get the account up to date.