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HSBC Credit Card Problem whilst living abroad

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My wife has had an HSBC (previously Midland) current account and credit card for nearly 30 years. In January this year she went over her credit limit by £130, but has since continued to pay the regular payments. She went to use it last month without success and was told by HSBC it had been closed in January 2010 and we had been sent a letter, although we did not receive this. They also stated that as part of the criteria for holding a card at least £500 pounds a month has to be received into an HSBC bank account, which it has not.

In addition to not receiving the letter, or email or online message, the account has consistently stated credit available.

As it happens this has come at a difficult financial time for us, although hopefully only short term, and have spoken with HSBC about our problems and requested extending a small overdraft, but was told this was not possible because the £500 a month rule applied.

Consequently we have not paid one months payment on the credit card and another is due in a few days.

We have lived abroad for over 8 years, currently resident in Spain, at an address the bank is aware of. This is the reason no regular payment is made into the bank, although I had £6000 paid in during the year but was told this being in one lump sum did not count!

We feel very upset with HSBC for being treated like this after so many years as a good customer, trying to speak with someone who can help seems impossible, they post all the information about trying to help but the fact is they aren’t interested.

We do not feel inclined to continue making payments and currently are unable, so having read your forum wonder if we are in a position to send a CCA letter to have the account frozen?

Also, being resident in Spain, does this affect the banks position in chasing and securing the debt?

Or should we simply write and request freezing interest but agree to pay what we can a month?

Really welcome some advice, also wonder about these debt management companies advertised – anyone have good /bad experiences?

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