Really would they do this? I didnt think they would since they want me to use the account it seems, "There must be Regular activity" i think the term was. Or has the fact its gone to collections mean my account is flagged as "lets screw this guy over"?

Thanks, thats very helpful. Yes, I have a different account where all my money goes (non-HSBC), I was going to pay it off at my convienience but they began to phone me and talk quite agressivly down the phone. I could put a fair amount of money in right now, but if they suddenly reduced the overdraft amount it would mean I'd "lose" the ability to use that money if an emergency came up. That is why I feel safer when it is in credit on my non-HSBC account (naturally). My aim was to save up and pay it off in one lump. However they told me I must make payments every 90 days to keep it active, but how much we would not disclose. I suggested I make £1 deposit every 90days to test him a bit, he said it was un acceptable, but he then cut off the conversation quickly when I began probing what the minimum I could do was to get them off my back. The only remaining issue is that im currently entitled to another year interst free OD , since they think im still a student, but im not, can they "get" me for this? hah

Collections are like a dodgy loan shark I think theyre comming to break my legs I have a hsbc student account where the overdraft limit is -1500, and its maxed out. Ive been letting it sit there for a while until im ready to pay it. Infact it was -1560 (i thought i was under the limit) and i received a call from collections asking for a payment, they were very pushy and kept asking me the same question "HOW MUCH ARE YOU ABLE TO PUT IN" I kept saying 60, but she kept asking for more. Eventually my battery ran out on my phone so I just paid the £60 and thought that would be the end of the persistent calls every 10 seconds... interestigly, today I was phoned again, saying they had received the payment and were wondering when I would put more in. I said whats the problem since I am within my allowed limit now. He kept asking how I plan to pay it off and when. I told him not to worry and said i will. He then asked why my student loan handnt gone in so i told him I dont have one anymore. He kept probing further into how i support myself etc but I was evasive because I didnt want to get onto the subject, since I have a job. Also The account was set up for a 4year period since i was planning on a masters but I cut it short after 3 so im no longer a student. The result of it was he probably thought i was some kind of drug lord since when he asked who supports me I just said I didnt want to discuss it and he was very suspicious. I also toyed with the idea of telling him id won the lottery(hah) He was then asking about my other accounts and I just said I dont need to tell you that. So my question is what can they do? I feel like have probably flagged me up for investigation haha will they try and find out that I have a job? And is it illegal of me to have said i dont have a job to them? Also if i did pay a bit into the account ,say to make me -1000 in credit, are they within their rights to reduce the overdraft to 1000? effectivly not allowing me to use those funds if need be? Thanks for your time!