MC said: “I’ve had an American Dream Card for years (trying to pay it off and CLOSE it !) I’ve been suspicious of unprofessional behavior from HSBC like not receiving statements or being charged a late fee when I knew I had mailed it in plenty of time. I always reasoned it to being an oversight from my busy life.

No more, this last payment I paid close attention to the due date, I paid off one half my balance and when the next statement came I was shocked to see a late fee AND and interest increase!

So I decided to investigate.What can be done about this? I am sure they owe me money now!”

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5. Attempt to prove HSBC holds payments to collect late fees