HSBC Retail Services Best Buy Experts in bilking customers with "promotional" charges Baltimore, Maryland

I purchased a Sony TV from Best Buy Store using Best Buy Credit Card for $1950.00 plus tax in 2007.. I faithfully sent HSBC Retail Svcs. $50.00 every month - they only asked for $16.00 but I wanted to get this paid for. After sending in my January 2010 payment of $50.00 my balance was $1561.43 - their interest rate is an astounding 29.24%. Four days ago I received a new bill from them showing a balance of $3930.83. The bill states that $2408.00 was added as "deferred finance charges". I refute this bill as I know all I owe is $1561.43 - the finance charges are more than the TV cost....I cut up my Best Buy Credit Card 14 months ago...I have purchased nothing from them - only that one TV. This is totally criminal..I am 78 y.o., on a fixed income, have been totally honest all my life...worked all my life starting when I was 8 y.o. with a paper route....wound up doing computer work. I called on the phone about this and was given people in India, China, etc., who could not understand or explain anything. These people are criminals...I need a lawyer....

Never do business with these creatures...they will rob you blind.

Is there some legal recourse that will assist me?