Did you try Tony Hetherington at the daily mail prehaps he can invetsigate the link with HSBC and FO [email protected] ... If an instutitute is wary of FO they react and compensat ie in my case M&S Money ( APR increase from 15.9 up to 23.9%- they backed down and compensated and returned the the APR to original level)but if they are not wary, they dont care and won't listen to your case ie in my case John Lewis Financial services default still registered. Its not fair that the all enquires /complaints end in the big funnel which leads to the FO they take too long to sort even a minor complaint let alone a major complaint like yours. See what Tony has to say? or get face to face with HSBC which may be impossible as banks consistently make faceless decisions.

I did complain on the advise of a friend and then i got the service I needed. So it took longer than expected but I BEAT EGG with the FO help they had to repay me the difference on the interest when they decide to increase it by 5% and then close the card down. In other words they closed the account a but i had to pay at the balance off at teh higher rate=- i dont think so . I was not prepared to pay CItibank more than i was due to pay. Next story JJB over last 5 years increased my APR from 18.9 to 36.9 no joy getting it back down , with FO help ( took a year) back down to 18.9% and had refund off interest over paid. I BEAT JJB John lewis have defaulted on me whilst i had an arrangemnt and will complain about them to FO . M and S have increased APR by 3% will complain about them as they wont put it back down . I have the original agreement the rate varies with the BAnk of England base rate - so why has it not gone down? M and S are pulling a fast one by saying the same as JJB they consider me a credit risk- and have assed my rating in line with blah blah. Its a load of tosh they make bad situations worse . HSBC have tried three times to put up their APR each time have beaten them down as they are my main Bank. So why all this happening - I got made redundant last year. no one cares a fig . My advise is persistence but be aware of legal bodies ie SRA they will not compensate you and will string matters out for ages . FO will help but are slow you could go under by the time they get their act together, the answer is get rid of Experian and Equifax who the hell are they any way. default on all credit cards that dont play ball with you and increase their APR - teach them a lesson - who cares if your credit file is marked you are one of many , and probably in the majority - the way this country is going. When a debt company calls tell them to take a hike dont make payments the debt has been sold on to them at a lower price they are in it to make some money out of you.

mercers are harrassing me on a daily basis how do complain about them and if the debt is an old one more than 6 years can they still continue to harass me?