I had 2 cc acct's with HSBC for years. Suddenly approx 2 yrs ago they raised the int rates to 30%, so you know what that did to the payments. I started to fall behind and I contacted them to make arrangements. I was told that I had to give them access to my bank acct to be able to do a set amt each month, so I did. I was then told that they couldn't do that and I needed to send them a payment each month in the set amount so that is what I did. A few months later after going over my bank acct I noticed that they were deducting the amt anyway (isn't that stealing) and also taking my other payment. I contacted them letting them know, I was told that since I was paying this set amt they couldn't work with me. I was laid off at the time and couldn't believe that they wouldn't work with me and set up some sort of arrangement so I could continue paying. I had no choice but to stop paying all together. It was that or lose my home. I was then contacted by a person (i'm being nice by calling him that) who constantly called and harrassed, name called and brutally degraded my wife, which I believe is illegal, am I right? He told her I was having an affair and hiding the charges on these credit cards, etc. Now we have a law firm, Weltman, Weinberg & Reis calling us day & night. No one wants to make payment arrangements they want us to pay them over 14k now, today! the original amt's were 3k & 4k. They are accruing over $200 a mth each in interest and $39 each late chg each mth. If anyone had that money wouldn't they just pay these people? The point of making arrangements is to do the right thing and we are being severely penalized for trying. Isn't there a way we can all bring a class action suit against this company for unlawful pratices? We also have a Polaris Star card thru HSBC and they constantly mess with the acct too and we pay on that one. They never set the correct date of payment so they can collect a late fee.