HSBC late fee scam Las Vegas Nevada

In march of 06 I bought a laptop from compusa. i had opened a line of store credit in order to purchase the computer.
I was told it would be 36 mos payment and finances deferred. Come April I receive a statement with an 11.00 minimum pymt due. i honestly thought it was optional because i was under the impression of the formentioned. I paid the minimum because i had intended to make payments monthly anyway in order to pay off the computer before the 36 mos.

Then comes May and no statement, i allow weeks and weeks to pass beacause once again i don't believe ive got to make pymts for 3 years. well at the end of may i call and ask about the statement. first i can't understand the csr due to their lack of english. i inquire if i could pay online and was told no but i could pay over the phone for a fee. so the csr tells me the statement had been sent back and they would resend another.

Eventually I received a statement but not for May but June, I then mail out the 11.00 payment and all seems well.
It's now July and no statement, I don't care too much because once again i believe i'm not supposed to make payments for 36 mos.
So, the last week of July I began receiving phone calls from HSBC trying to collect a debt.
I call the compusa/hsbc credit card to get an explanation.
The csr informs me i had recieved a 35.00 late fee for July.
I then explained how i was under the impression about the no payment/finances and how i had only received 2 statements since purchasing the laptop.
He said there was nothing he "could" do because i am obligated to make payments statement or no statement and that I should have made the payment via internet. Oh, my god. So, I ask to speak to a supervisor and she says the exact same thing. I ask her if it's noted on the account that I had called and requested a statement and that I had obviously been having problems with receiving statements and she says yes but there is nothing she "can" =would do.

This company is absolutely horrible and I have done a little research and found hundreds of complaints about HSBC ,
I wish I had done the research before opening a line of credit with these insensative morons.

M
Tulsa, Oklahoma
U.S.A.