I must agree that they do call alot.... I was laid off at one point and couldnt pay my bills. Instead of acting like a grown up and talking to them I avoided the phone calls. Once I put my big girl panties on and actually spoke to them they were very nice and worked with me to get my account caught up. After 5 months of paying on time I called and requested they raise my card limit and they did! I have found that HSBC (my account is with Orchard Bank) is a great credit card company to use if you are trying to build or in my case rebuild my credit. The customer service department was very friendly. And for those of you out there.... we all hate bill collectors, but you should realize that they are working to pay their bills and feed their kids just like we are. In this economy you have to work whatever you can find.... whether you like it or not.

they should be illegal! I don't even have a fair chance to pay my bills. I signed a contract and agreed to pay late fees when it was possible to get and keep a job. Now there are no jobs because of the incessant greed of the bankers. They are void of morality or obligation to the human race. Their call center minions are harassing me non stop, when finally I decide to answer customer service rep receives a verbal lashing that could shatter glass. They probably get paid nothing while the bank Executive is dining on a meal that costs more than they make in a month!

Credit card holder's in America have a number of people's. So this is a big issue of credit card. Many bank's provide this service, some of them are fraud. so carefully before you take any credit card of any bank.
johnhasan
thanks
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[a href =" "] http://www.easyfinancialbliss.com ="dofollow"] http://www.easyfinancialbliss.com [/a]

Nice that you sit around calling people stupid and to answer their phones. Maybe they're not home but can see who called. To all collection agency reps ~ get a REAL job. I hope that when you're a little behind in your bills (and you will be one day) that you get people like you calling your home and threatening your children that mommy and daddy are going to be put in jail. Then you'll see how it feels. :) YAY!

you chose to use the card therefor you choose to fine yourself! it clearly states in the credit application that there is a a Annual fee of $39-$129 depending on your credit ...
if you do not pay your credit card, your credit card may be closed.
======================
johndouglas
credit card deals

hey i have been getting phone calls from hsbc as well i live in canada 20 to 30 calls a day starting from 8 am and ending at after 9 pm i have had a car loan with hsbc and for 2 years everything was working out perfect and then all the sudden one month they had the wrong account number they are blaming me for this even tho i went it and paid them cash for those missed payments do to there incompatance i would like to see something done about this bank and am on board with everybody in a class action law suit please e- mail me MattGrant@live.ca only in regards to this legal action

i get constance phone calls from this debt collector, when i get home i have 20 or more missed calls i have already made payment arrangments with them to pay my bills which are only a month and a half late i was out of work for a sort period and i am trying to get caught up, but they still call many times a day

HSBC just continues to call us constantly, just because we were late one time with our payment, which I usually do online, but could not get into the website to do the payment. They start calling as early as 8:00am and keep it up until 9:00pm. And they also use at least two different numbers to call from, one being 800-395-2274 and the other being 800-684-8429, and they do not leave any messages. I have tried to take my phone number off of the account but it does not let you.

I have their card but don't use it. They use various numbers to call from, not just 800-684-8429. We were a little late paying them, and they called 20 times on Saturday between 8:00 am and 8:00 pm and 20 times yesterday. I am working to try and cancel the card and finish paying it off, but it is crazy that they call so many times. I wish that they did not have to have my phone mumber on the account.

They called me 14 times on Sunday from before 8 am to 5 pm
These people are jerks I got a card through Best Buys and they hit me with a $79 fee when I refuse to pay it they hit me with a $39.00 late fee and an a over my credit limited. What are they talking about. HSBC Bank will wait along time before I pay these fees. They told me that I had to pay these fee because so many people went Bankruphty on them. So because I pay my bills on time and so on, they can't wave the
fees. I work 60+ hours a week so why should I be responible
for someone who didn't pay them. I was up to date with all my bills until now. If they come to my understanding I guess they can go to H**l Looks like I'm in same boat that everyone else is in with HSBC.

LD

I've had their card for 10 years and never late once, until this month (Dec 09). It wasn't but about 2 days late and it's unbelieveable the number of calls I'm getting a day.

I've been receiving an average of 7 up to 10 calls per day. Nearly all calls occur, with a hang up just before it goes to voice mail, then followed up with another call directly after that. Today, I received 6 calls in less than 30 minutes, all but 1 back to back of one another (often within the same minute).

Isn't this in violation of the FDCPA? And if I file a complaint with the FDCPA, what do they do? Anything?

Anyone wanting to participate in a class action law suite please call me so we can muster a list of names to get the ball rolling. My number is 405 787-1503 Cell 405 314-1503 Waiting for your call. Merry Christmas

MEL

Who knows a good attorney for us all to file a class action suit against HSBC as well as the stupid collection attorneys they retain perpetually, please let me know ASAP

i once had a creditcard with saks before going bankrupt, well after going bankrupt i applied for a orchard bank card and they approved me, and then denied because of an old debt that i owed hsbc, but it had nothing to do with orchard, i know orchard is hsbc, but this card was supposed to help you after bankruptcy, F__ckem, they will need me before i will need them. i did real good paying my bills before i was laid off, someone else will get a great customer

has been getting more than 5 calls a day from the number 800 684 8429.
She politely answered and they asked for a "Ricky" or "Rick" and she said there was nobody here with that name. The line was silent so she hung up. They have called her four times today so far and last time i answered there was nobody there.
This is ridiculous. I cant believe these calls have been happening for nearly three years and they are still calling people.

I had the same problems as all of you did.  I fixed it very easily and without too much hassle from HSBC.  I called them and ask for an account balance.  After they gave me the amount, I told them the card was stolen.  They clsoed the account immediatley.  This was after I attempted to close the account the right way for over a year.  I ask them to not allow an charges, and they would not excpet for their own fees of course.  The REP told me that they could not close the account while it was 2 days late for payment.  The late fee of course was added and sent the account over the limit.  My origianl minimal payment of course went up 300% due to that.  Last month they did it all over again, by adding my yearly membership fee.  Thsi also snet it right back to over limit and etc..

BTW, I am on the civil suit.  I had the card for 3 years total during which I made purchases of approx 5,092.48.  I made payments during that smae time of approx 7487.95.  This was not intrest, it was 98% fines, fees, and services.

I 100% HATE ORCHARD BANK CREDIT CARD. I APPLIED FOR A CREDIT CARD WITH THEM AND WAS APPROVED, AFTER MAKING ONE SMALL PURCHASE MY CARD WAS BLOCKED AND I WAS TOLD I NEED TO COPY MY SOCIAL SECURITY CARD, MY LISENCE AND TWO UTILITY BILLS AND SEND IT TO THEM. I REFUSED AND WAS TOLD UNTIL I DO MY CARD WOULD NOT BE ABLE TO USE, BUT THEY WOULDNT CHARGE ME FOR ANYTHING EITHER. AT THAT TIME THERE WAS ONLY A 100.00 BALENCE ON THE CARD. MONTHS PASSED BY AND NO CALLS FROM THEM NO LETTERS NOTHING, UNTIL SEPTEMBER THEY CALLED ME LIKE CRAZY, THEN ONE DAY ONE OF THEM GOT MY GRANDMOTHERS NUMBER AND CALLED HER. THEY TOLD HER SHE WAS THE ONE WHO HAD THE CARD, SINCE MY GRANDMOTHER HAS A MENTAL ISSUE SHE WAS CONVINCED EASILY, THEY ALSO TOLD HER THE AMOUNT WENT UP FROM 100.00 TO 300.00 PLUS OTHER FEES. SHE WAS SO WORRIED THAT SHE TOLD HER SISTER AND HER TWO SONS, ONCE THEY HEARD THIS THEY CALLED ORCHARD AND ASKED WHAT ADDRESS DID THE CARD START FOM THEY TOLD HER MY ADDRESS, SO NOW MY FAMILY THINKS IM A CRIMINAL AND HAS DONE SOMETHING WRONG, THEYRE EVEN TRYING TO PUT ME IN JAIL, FOR A MISSUNDERSTANDING. LUCKILY THE CARD IS IN COLLECTIONS AND THEY WERE ABLE TO TAKE THE AMOUNT DOWN TO 110.00 PLUS A 4.95 PROCESSING FEE. BUT I STILL DONT KNOW HOW TO MAKE MY FAMILY TRUST ME AGAIN, THANKS ALOT ORCHARD.

This one should reach the TV News. Sent two checks to HSBC for payment and it seem that they just ripped them in half, sent them back and said "WE CANNOT ACCEPT YOUR PAYMENT BECAUSE IT WAS TORN" so instead, they send me a late payment bill. This had to be done by them because I know that the mail man does not deliver torn mail. If anything "RETURN TO SENDER"THANK GOD i DON'T OWE THEM MUCH, SENDING A CERITFIED FINAL PAYMENT OVERNIGHT and closed the account too!

Well, let me tell you that i have paid my whole credit last year that's why i don't want to receive any credit provide call so don't call me again and it's my request to all.................
================================================
SHELLY KANE
Best credit card deals

I kept getting calls from this number as well, it was for another person though. I told them several times that they had the wrong number. So here was my solution and it has worked for 4 days now with no calls. I got my digital recorder out and when i answered the phone, i told them that the call was being recorded for quality assurance. I then asked them who they were trying to reach and what number did they have on record. They answered with the person's name and confirmed the phone number. I then told them that this was the correct number but the person that they were looking for hasn't had the number for 2 years. I wished them well and haven't heard from them for 4 days. I was getting calls from them everyday. If they call back i will do the same thing, and then the 3rd time i will take them to court with my proof.

The funny thing about this is that I do have a card with them and it's always current. My initial reaction was to cancel the card, but I don't know if I could do that from what I've read on here. I live in texas and as long as i let the person on the other side of the phone know that the call is being recorded, i can use it later. OH and by the way, the person was very friendly also.

I never ever applied or ask for this Orchard card! It just showed up here asking that I activate it and oh Yea they gave me a $400.00 limit. I did not want it, and like many had been hit with devastation. We played by all the American Dream rules for over a 43 year marriage, (until the medical cancer bills and probably losing our home Drove my husband to totally give up and just die apologising to me for leaving me in such a mess.) Some people and companies are totally 'Heartless'
I have to forgive the rudeness of some of these posters when they say 'stop whining and pay' Not 7 years ago we had a triple A credit rating, but no longer!
My daughter (who claims to be mentally sick) She is 'NOT' only lazy won't work, lives off state aide, and stole from me and her father when he was still alive.
To shorten this, I never activated that card so thought I had zero worries. I did get mail from them (Orchard) but assumed they were only trying to get me to take this $400.00 limit credit card. Then I find out my 'Adult' daughter had activated it and had the nerve to ask me to get a higher limit. (She had the card)
I immediately called and explained to them. They had stopped activity on it because I had never activated it, or used it. (I can't even get started on HSBC and the extreme stress they are causing me)
Now I find out I owe over $69.00 for yearly use. Yes I quickly paid off her charges, torn up the card (I had thrown it away, but she found it in the trash and had been using it.
They seemed to understand and gave me credit for one half yearly charges. I told them to cancel that card as it is cut to pieces!
Within 2 days I had another card (same number) ?? This is the 4th credit card I have had to change and my check and debit card, as my daughter was finding the numbers, on receipts and charging things.
My bank President actually encouraged me to press charges against my daughter. That is another story, though.
Now I think because I have torn this card up and never 'Ever' used it I was fine! Not so as I get a call telling me I need to pay my Orchard card and privilege's had been suspended.
What could I owe, it was torn up and had not been used? Well they did not cancel it and now another year and the yearly dues was over even the charge limit. I shall never understand? They knew it had never been used and all these charges was because they said I had it!!
Again when I refused to pay for anything except the yearly fee, they accepted that, and sent another card still with only a $400.00. limit.
I am numerous e-mails to them (for proof) telling them to cancel the card. Oh the sob stories I got? I need you to keep this card. Orchard does not keep employees' where costumers cancel cards.
This was now year 3 years where I had never used the torn up card I did not want. My last contact with them was 'Cancel the Damn Card' I will never pay them another penny for a card I don't want has fanatical hurt me and I don't have.
Another year passes and again I get a bill for the $59.00 yearly fee. I was getting at least 10 calls a day wanting that fee and of course by now its up to over $600.00.
Never used, wanted and cancelled many times, and my fee's are now over $1000.00! How can things such as this be allowed?
I explained to them I have 'drafts' of cancellation of well over a year ago. (they say they have the same of me saying I wanted to keep the card?)
On their bills there is not one single purchase only their fees and interests, which one would think, I never wanted that card ever.
I have actually talked to some nice collectors from Orchard that can plainly see I have never made a purchase of any kind with that card and one even agreed she would refuse 'also' of paying interests and fees to a company I had never used their card.
But there is no reasoning with them and they call many times a day!

Everyone is so negative. I have been working as a collector for the past four years, and can't take another second of it. Every day I goto work I feel like I'm losing a part of myself. I can't wait to be out of school and never look back.

If you get a credit card, know there are going to be fees, know you must pay back the money you borrowed, and most importantly ....
we are people on the other end of the line-and most of us just want to help you. You wouldn't believe how much I have been abused verbally and
the intentions of both banks I've ever worked for...were to help people. We want you to pay what you've borrowed. Big thing there,
you lend some money and see if you get it paid back.
HSBC is a global bank and has a very miniscule number of offices in America, so stop the belligerent and asinine comments about Asia, the bank was started overseas.

If you want the calls stopped from anyone, ask for a cease and desist but before you do, if you can't pay your bill ask for a hardship program and if you've maxed out your fee waives,
ask for a settlement

Never pay a debt settlement company-these are awful scams

if you need consumer credit counseling call 8003882227 there are good organizations out there.

be nice to the collector you talk to next, they may hate themselves a little more everyday and because your late on YOUR bill, telling them what a piece of shit THEY are..
bad karma folks. seriously.

Is there any place we can make a complaint about all the harrassment that HBSC does?

The information provided is helpful only if you can get the people to tell you the mailing address of the people harrassing and calling. The people calling from this number are not using thier real names, when I call the number back no one can find these poeple who are making the phone calls. I have told these people ten days in a row to quit calling this number., these people have also called my room mates number in a different state during the weekend trying to locate the debtor whom has never given that perosns name, number and acutally theY are calling a business number that has in no way connection with me, but my roommates business number because the cell phone company recently sold the addresses of poeple and this mans address is close to mine he is 845 and I am 845 1/2 so they are calling basically my nieghbor, my boss and the stupid payment isn't even owed. They refuse to give up their names and addresses and business address they represent and when I quote they have to tell me thier business name and address they represent they are telling me they don't ahve to give up any informaiton about who they are, who they work for or thier business address..please pay more taxes this week to the united states governemnt so these businesses and corporations can rape us blind to and take and do what they want. Please support socialism so we can make sure corporate amerca can get money and keep these kinds of collection tactics the back bone of America! I love being a fricken citizen of the US where the govenrment can take and take and do nothing to help us and give up our tax money paid to them to support these types of business tactics.

my parents got a call last night and so far it's been the same as what everyone else has said where they call and tell you that there's a seopena going out for you. i told my dad to not give out any personal info,let this "Todd Shaw" character go through what all he had "on file" most of it was wrong, but those that were actually right anyone even a kinder garner could get off the internet about someone. which ain't too much really. anyhow he told "Todd" that he was going to have the $200 (just like everyone else has stated) sent to him and i was handed the phone to get the info on where to send it... here's the funny part he stated to have the money sent to a Wells Fargo account personal account.... now if he was a real collector from HSBC/Orchid wouldn't the money be sent to them instead of a Wells Fargo personal account? anyways I have his account number he shared with me. now about this guy "Todd Shaw" his ext. # is 168 on that 866-629-8004 he claimed first to be with A.C.S. then changed it to First Capitol rm (lcc) then changed it again to First Capitol Group (does this guy even know who he works for?) he's expecting me to have that $200 sent by 10am today, but he's not getting a cent of it, thanks to all that have commented about this harrasment but i don't believe it has anything to do with HSBC or Orchid unfortunately... he's a third party who they probably sold info to. the First Capitol Group is investors group by the way, not a collection agency here in Texas, lol

I'm not standing up for HSBC/Orchid's behalf, those i have deep hatred for anyways because they apparently support terrorism and I'll be damned if I'm gonna supply them the funds to to buy the weapons for the terrorists to use on our troops. but this group of conspirators is not directly tied into them as far as i know at the moment.

I'm off to the store to buy a turkey now, God bless America and have a great day.

What goes around comes around. Never pay a voice on the phone. Mail me something in writing. What says you can't call them 23 times a day, ask them how is the weather is in thier state or town. Tell them you just had nothing to do today and you thought you would let them know that you would sure like to pay them and you will when you can. Call them and tell them Just wanted to let you know I havent gotten any any money yet. Try this one I called to let you know that a wolf came to my door yesterday and had puppies, so as soon as I can sell the pups I will be sending you some money. If all of us would just call them 23 times a day, they would not be able to use their phones to call us. Think about It.

When you receive a call from a debt collector or collection agency, kindly ask the representative for their mailing address, as well as their fax number. Make sure you are polite or they might not give you the info, if the representative becomes rude or unresponsive, ask for a supervisor.
Step2
Never admit to owing the debt. You don't know who is on the other end of the phone, and you would never want admit to anything as they record these calls. I advise you send a validation letter to each collection company, for more info on that contact me and I will send you a sample letter.
Step3
Fax a copy of the letter below, and send the letter via certified mail.

Cease communication
(Sent via certified mail)

DATE:____________________
Creditor name:__________________________________
Attn: Customer service

Address:
City, state, ZIP:

RE: Name ____________, Account #_______________________
To whom it may concern:

This letter is in regards to the account you claim I owe __________________. I am requesting at this time for you to cease communications with me regarding my account. You can correspond with me via U.S. mail. My address is printed below.

Any future phone calls I receive at my home or at my work will be reported to the Federal Trade Commission as a violation of my rights according to 15 U.SC. 1692c.

Sincerely,

Name:________________________________

Address:______________________________

City, state, ZIP:__________________________________
Step4
Enjoy the fact that you will not be harassed day and night from these ruthless collection agencies.

I've had several calls from hsbc reguarding a local tech credit card I had. I have no problem admitting I was late on payment, but they are harrassing me over $40. They called me thursday, saturday morning and evening, sunday, monday and wednesday morning and afternoon. I've repeatedly asked them to wait for payment and that it was made, that they need to stop, I've even tried to be logical and ask why would you call on weekend or 9am monday?!? you're not gonna see it until later? It continues and I'm afraid If I were to call the police or operator they would just say pay your depts. Are they not harrassing me, or can this be considered "business as usual"? -- cause frankly even though my balance is $0.00 I'm considering getting rid of these morons!

I'm in canada btw, so I'm not sure if the law pertains to my region or if I have legal recourse if they call tomorrow or next.
Can someone advise?
Geo

I've been getting calls about a credit card merchant account and the first two times I told the person on the other end of the line, politely, that I'm not interested. The third time I lost it and I spoke like a lady should never speak. I got a forth call, asked for the supervisor, got someone else and they couldn't understand that I don't care what they're selling. I think the callers knew how to say their lines and didn't speak the same language as me.

1-866-629-8004 This Number called my sons home and ask him if he knew me and he told them yes that I was his mother and they ask him if anyone was there over the age of 18 to sign for a summons for me he ask what it was about and they would not say .. So he called me up and told me what they had done and it really shocked me and I called that number back they said they was from HSBC and I ask them what was going on why they told my son that they was sending a summons to me .... they told me that they was no summons sent out yet and I told them that I had never had an account with a HSBC they ask for my full name and I gave it to them and they repeated a ss# and ask if it was mine ... It was not and they had the wrong address I ask them why did they call my son and do me like that the lady was a foreigner that I was talking to and she said she was sorry she had the wrong person .. I ask her why didnt she make sure that she had the right person before she told my son that she was sending a summons out to me ...She told me that they was just trying to collect and account that they told everybody they called that so they would call them back that they do not send summons out and really do people like that ... I had been getting some prank phone calls and had my phone hooked to a recorder I got every thing she said and contacted and attorney and took it to him he said that they had made a big mistake doing me like that and I had a good case against them ... I was wondering If they have done anybody else like that ? That is very rude for them to do someone like that and I am filing a case against them they should have knew better than to do that ....

Activities like this are a waste of time because those people who do that just disturb us. Frank callers are annoying and sometimes they are terrible like what had happened to our economic stability today. According to news, the U.S. debt has been increasing every passing year, since massive amounts of debt piled up in the 70s and 80s. Few administrations have taken a serious crack at it, although they'll waste time trying to legislate payday loans. It is shaping up to be one of the most challenging problems that will be facing future generations of Americans. It surprises few that the people that incur this debt upon us are among the most wealthy, and those that have to pay for it are the ones that have to get a payday loan to get by.

If they don't ID themselves they can call up to 6 times a day from 8am-9pm. If they call and it is a wrong number chances are the person can have more than one account or they aren't removing your number, and if you don't correctly ID the number they call, they will not take it out since it obviously wasn't the number they called. Always verify your number and give them the actual number they called. Also, just because you've had that number for 2 years does not mean someone didn't have it before you, some accounts can be 10 or more years old...and if you don't want them calling your work number, never give it as a contact number, obviously they got the number from you, you can't really be THAT mad that they are calling it. They sell your information to 3rd parties, whether it be for insurance, other credit cards, auto loans, or even just options for the card...always make sure you check the box that says do not allow them to give your information or leave the box unchecked if it says that you allow them to give other information to partner companies. If they call more than 6 times a day it could be for more than one account, most places do not cold call, they are set up on a dialer system, which means the representatives have no choice in who they call. Once they send your information to a 3rd party collector/attorney, they no longer are in control of your account, you have to call their probate/recovery department to set up any type of payment arrangements. When you get behind and cannot make the minimum due, call the company, most have programs available that will lower the interest and payments on the account for a set amount of months in order to allow you to get caught up, though some require closing of the account or even post dated checks, except in MA, where it is illegal. When you work with a Consumer Credit Counseling Agency you can still receive calls from the bank/company until the proposal from the Counseling Agency is accepted, because they are not legally responsible for your debt and until an agreement is reached the bank/company cannot discuss with a 3rd party; with the exception of an attorney. If the calls are too much and you do not want them calling then LEGALLY you have to send in a certified letter of Cease & Desist, they have to stop calling, but verbal request for cease and desist only work in certain states-OH and Montana...I think.

I have filed for bankruptcy Chapter 7, awaiting discharge. At my hearing I was told creditors should stop calling as mandated by Federal Law. HSBC is calling several times a day, seven days a week and after 9pm. I reported them to the Federal trade commission, contacted my lawer and am seeking legal action, my lawyer is pissed and willing to pursue action. I recorded the dates, times and conversation topics/threats. HSBC has been told numerous times I filed, have been given a BR file number several times to include my lawyers number and name. Yet they continue to call from India asking me for money. This company is languishing for a lawsuit. Anyone else in this boat?

I should of researched online before signing those stupid papers binding me to this shitty bank on a car loan. Ok so as if your stories weren't enough right, here I go... Well as the economy continues to spiral down I loose my job can't pay my car for two months I call the so called call center and get some guy from the middle east. I have nothing against other races. I diagress, HELLO WHAT THE FUCK, we need jobs in America!!!! Anyhow, sorry about that I just needed to get that off my mind. Well anyway, this guy is mean, rude, and tells me "you going to pay now". I say "no, are you listening I lost my job I have no money." He says "I set payment now." I'm thinking no asshole I have no money!!!! Hello! No job either!!!" I've attempted to make several calls to see if at any point I can get managment a supervisor a god dam janitor who understands english and can help me set up payments. HELP!!! Thank god, I filed for unemployment and have now almost caught up. Till this day though no one in management or int he US for that matter would know that I've attempted to make arrangements. Ediots!!! Get with the program help the economy by bringing jobs to America and help the Americans make arrangements to pay to help the economy. EDIOTS!!!!! EDIOTS!!!! EDIOTS!!! I feel so bad for you guys and me I'm stuck with them for another 4 years...

Orchard Bank Credit Card Correspondence
1441 Schilling Place
Salinas, CA 93912
Dear Orchard Bank
Dear Orchard;
You are a pain in the arss. Just no other way to explain your existence in my life.
I applied for your "card" and requested a $2,000 limit. I have several cards but was advised to get another "to better build my credit with more payments recorded" so I applied to Orchard. I received the card....300 dollar credit limit---big deal I spend that much for an evening at my favorite Bistro. Ok, so we'll just use this once in awhile and get the payment record established. We'll make some "scheduled" payments so we can stretch out the record. We'll make a $15.00 payment and then charge some more when we reduce the balance. BINGO, two days late because of the hurricane evacuation and two amazing things happen that I really should have expected from your scam-infested organization as it is a foreign corrupt infested anus of the Asian financial world.
1. My payment "arrived late" ( two days) and so I was charged a "late fee"
2. The "late fee was more than twice the payment. This was almost funny except that by this time I knew that in your next move to improve my credit, you would report this to TRW, Experian, my aunt, Uncle, all my kids and Jiffy Lube.
You did as expected. Within a nano-second of a heartbeat, there it was "LATE PAYMENT 30" indicated in all its glory on the consumer credit report.
Thank you so much Orchard, we will now do what we can to make sure that others do not fall into your credit-improving scam---especially on the net.
So, being retired and nothing to do but alert my fellow citizens that wish to improve their credit ratings, we shall relate this experience with your shameless organization on the net. Now, you may not be aware just how strong the net is. If one were to BUY the time and material to contact a million viewers on the net looking for card applications, it would cost a pretty penny. (Look at what your net presence cost figures are.) BUT if I want to get the word out with very little effort to those same million viewers, all I have to do is put this story on about 350 blogs discussing credit, on another 50 or so blogs talking about spam organizations and buyer-beware scams by companies such as Orchard and all its affiliates, and a few web sites that we know will be visited by robots and sent on to another million sites for reading in Google, Jinks, and yahoo.
This will be my way of saying "Thanks so much Orchard for your stupidity in action." We'll be playing on your local blog soon--watch for us!!!
CIAO

I started receiving calls from these numbers on my cell phone 5 days ago. Didn't answer, but finally called it back to see who it was. The message I get says that "we have identified your account number ending in **** based on the number you are calling from. If this is not your account number, please enter your FULL ACCOUNT NUMBER". First, my cell phone is private, does not show up on caller ID. Second, I have never had a credit card-of any kind. I only realized what company it was by Googling the number. This seems to be a phishing scam. Not that I would, but I couldn't enter my full account number because I don't have one. Any suggestions?

Hi, I have been getting harrassing phone calls from them for a long time as to having an acct with them. I had hurt my back at work and was out of work for 3 years. You know you try to make a payment and then they add on late fees. If you were to give then a lump sum of say $100 and then make some more for next month they still keep adding the interest. Give us a break. Well this one pushed it. I got a phone call from my brother who lives outside of Chicago and I am in Boston and he said that he got a phone call from them inquiring about my name and that I had his phone number on the application. I definitely would not have put my brothers phone number on the application. WRONG! They will try to find any member of your family.

My Husband had died Nov.13 not even a month and a day later their calling me about an old bill I paid off CAN'T THEY EVEN GIVE ME TIME TO GRIEVE they are very sick people I guess I will have to start letting machine get the phone

I have had many calls come up on my caller ID from 1-800-684-8429. These calls start as early as 8:00 AM and go until almost 9:00 PM. This morning I had two calls before 8:30 AM within 10 minutes of each other.
I was not sure who was calling me, I am current on all of my bills and have an excellent credit report.
I finally found this website that identify's this phone number as HSBC/Orchard bank.
I do have an account with them and it is current and has never been late. The only thing I could think of is they are calling to harrass me for some type of insurance and solicitation.
I guess that dont feel that someone might want to sleep in a little on a saturday morning only to have the phone ringing off the hook all day.
At times I just pick up the receiver and hang up on them. I will contact them by letter to have them stop the phone calls if not I will close my account with them.

So I had commented on this forum earlier about getting these calls and finally answering them to find out they were looking for someone else. Welp........THEY DID IT AGAIN!!!!! They had just called me again for the 10th time today, and I finally answered it. Again they were looking for some "Larry" guy! To make it a little funnier, the lady on the phone sounded like she could be my Grandma. These guys are hilarious!

I had a legitimate account with HSBC Orchard Bank a few years ago. I had quit making payments due to loss of a job, and of course the late fees piled up until it went to collections. Big deal, shit happens. Made some payments for awhile, then couldn't again. Two years later, just weeks before i was going to contact them to get my overdue past bills squared away, they contact me again. But it wasn't them, it was some collection attorneys, but they were assholes too. Wouldn't accept what i could pay them and when, so my wages got garnished, got into trouble at work for this, and was unable to make my mortgage payment for 2 months. It was paid off February 2008. Contact and letter saying no balance was owing was received in April 2008. Now a new collections attorney is calling regarding this debt to HSBC. I was surprised, and pissed!!! Luckily I had started a Paid Bills folder to prove that i was cleaning up my Credit History. Will be faxing this to them tomorrow for proof, and will be expecting proof back from them. I even called the previous collections company to make sure that they still show me as paid, they do, but they were a little snotty with me that i would doubt them. Ha! I will also be contacting HSBC directly to make sure that their files are up to date. I hope this will take care of the problem, or i will have to take further action. I can get a cheap lawyer if i have to. Isn't this slander of character, or at least harassment?!

I've been receiving calls from this number for a couple of day now. I didn't answer the first time they called because I thought I'd look up the number and see who it is, and that's how I came across this site. Anyway, they had just now called and I finally felt like answering it and bitching them out. THEY WERE CALLING THE WRONG NUMBER!!!! They were trying to get in touch with Marry or Murry, I don't know, but I think that's hilarious! Maybe that's a good idea for all of you who are still being harassed by this number; just tell them that you're not whoever they're asking for. HAHAHAHAHA

Since 2:52PM I have received 9 calls! They are calling my phone every 4 minutes!!!! This can't be legal.

Well it appears that many have had issues with HSBC. My calls from them started on 10/16 and have not stopped since. I have currently logged a total of 69 calls in seven days. I contacted the Ohio Atty General and filed a complaint on 10/18. on 10/22 I got a phone call from REX in their executive office assuring me that he was taking care of the problem. Ha, oddly I got five more calls after that and I am sure that I will continue to get more. Today another complaint is going out to the Atty General with the phone log as well. This is intent to annoy and harass in Ohio and carries penalties that I am not afraid to pursue. Good luck to all.

I think I am going to add them to "My Circle" with Alltel. That was my CELL PHONE won't be charged the minutes! By the way.. my top is 10 times in a day.... 8 times in 7 hours.

High profile politicians, including Barack Obama, are seeking to limit the American peoples’ access to on-demand, short term financial assistance. Some cities and towns are trying to impose restrictions on where these legitimate businesses can set up shop. Even worse, several states, including Georgia and North Carolina, have successfully imposed all-out bans on the industry, with several more attempting to follow suit. Citizens all across the nation are seeking to have their voices heard by fighting legislation that would obliterate the payday loans industry nationwide; Obama, and other misinformed political officials, are pushing for a complete ban in the name of personal political gain, regardless of the hundreds of thousands of potential lost jobs in an already turbulent economy.

I have an Orchard Bank Card, my account is overdue and overlimit...I get charged the fees on both and the bill keeps increasing...I made a payment in July of 200.00 and they sent it back to my bank. Then started calling me..asking for payment over the phone. I explained that the payment was returned to my bank, I was told they would fix it and for a fee of 15.00 I could make that payment over the phone...I declined..I am not paying 15.00 to make a payment, they refused my payment thru bill pay which I pay a fee for then expect me to pay for a check to them over the phone.....I don't think so. They waived the fee and I made the payment...But, that is the last payment they got from me over the phone....I payed in August, September and I will make the payment for October...it is them who continues to send the payment back to my bank..they said they would fix it and that is what I expect them to do.

They call me and ask for someone else. I have never heard of this bank or these people. I have had my cell number for over two years.

I have gotten 3 calls today (SUNDAY) from them. I told one of them that what they are doing is illegal and after about 30 minutes after hanging up they called back.

I have two credit cards at balance zero. I have an auto loan at 2.9% financing through the company I bought the vehicle from. I applied for an additional credit card lately so I could have an employee buy material with it. I have never recieved a reply that I know of. I have lost the credit offer letter that was sent, so I am not sure of the company I applied to, as it was not a huge priority for me, it was just a way to keep track of my worker's material spending. I have never recieved a card from them. I am only assuming it was them, since I now recieve 6 phone calls or more a day from them, and they always hang up on me. I googled the number and this site came up. It is not really a problem for me yet (I start getting business calls around 7 am anyways; but I could understand people who wake up later could be bothered by it), but now I am going to have to get a credit check now, because I am worried they have attacked/attached my credit somehow.

Well, our issue with the lovely HSBC started way back in April of last year. *note, that equals out to 15 months of this* We bought a dog at a pet store. We made the down payment, took her home, and waited for the first bill to come. Two months went by, so we went to the store we bought her at, and they gave us the contact info for HSBC, saying they didn't handle payments beyond the down payment. Ok, so we call HSBC. They are hostile right off the bat, saying they've sent us two bills already and we are behind. My husband tells them we have received nothing. She asks for our account number, he tells her we don't know it because they haven't sent anything. She tells us to wait for the next bill to come. Another two months go by, and finally a bill comes in. I get online to make a payment, and the website says our account number (the one that JUST came in the mail that day) is invalid. So we call, and again are greeted immediately with a hostile representative. This goes back and forht for a while. We don't get another bill until September, same account number.

All the while, they are calling nonstop. As early as 6 am, and as late as midnight. They call hubby at work. his commander has gotten on the phone and told them to stop, and they still haven't. Always hostile, and talking down to my husband. They always ask for our account number, and we always gave them the one on the papers we had. They always said it was invalid. My husband would always ask for the right number so we could pay. They say they can't give it to him, only to the primary card holder. HE IS THE ONLY PERSON ON THE ACCOUNT!!!! if he isn't the primary holder, who the hell is?

We got sick of dealing with them, and told them we were just going to go thru a debt management program. They told us we weren't allowed. We did anyways. They said ok, we'll drop all the late fees, and work with this 3rd party, no problem. The late fees kept piling up. 3rd party keeps telling us HSBC turns down every offer they make them. They start calling us again, telling us we're late, they're going to send us to collections, they've never received any offers, blah blah. Then we get another bill in the mail (the fourth in over a year) and the amount we owe has gone down. That means they were getting the money from our 3rd party.

Now they're back to harrasing my husband all day, every day, and at work still. We're getting calls from a collection agency saying we have to pay them the full amount right now, that HSBC has given over our file to them. And calls from HSBC telling us to just go ahead and send them monthly payments, even though they dont have our account anymore.

AFTER 15 F'ING MONTHS OF THIS, IM READY TO KILL SOMEONE!!! this is ridiculous. This company is staffed by morons, most of whom don't even speak english beyond "would you like to buy X service today?" WE TRIED TO PAY YOU!!!! How can we pay when they don't send paper bills and our account number is invalid to pay online? They need to be shut down.

This is the first time i hear about a bank harassing someone over a debt that is not even his. Bank policy allows you to be informed about anything related to them in writing and so one can avoid being harassed by endless calls.

The number started calling me repeatedly this weekend, but does not leave any voice message. I had to do a google search on the number. I have an HSBC credit card which I pay every month and am current on. Very strange. I guess I'll call or go to the website to see what's going on.

I have just a major pain in my butt trying to get the credit protection insurance that I pay for monthly to pay for claims. I was laid off Feb 29,2008. On March 1, 2008, I contacted Orchard Bank and Credit Protection both and told them I was laid off to activate a claim for both. They said I would have to wait 30 days to activate. After 30 days, I called back, they would now send a form that took an additional two weeks to get. I fill out the form and send back which they claim they received on 4/22/08, and now it would take an additional 7-10 days because it was being "reviewed" however, they was no one I could speak to in the "review" department. In the meantime, I am getting calls 35 times a day ( I have two cards with Orchard) they call my cell phone, and never leave a message, I'm sorry during peak hours, I don't answer 800 numbers, however, if you had a brain and would leave a message sure I would call you back.
Today is May 3, I call to check on my status and was told a letter requesting additional information was being sent out. More waiting!!!!!

Has anyone experienced any problems with getting their payments paid thru the Credit Protection or is it just me?? Please send me emails and let me know.

I think Orchard Bank is a bunch of sharks, HARASSING SHARKS, and once I return to work I will make it my life mission to pay off my cards and tell them promptly to kiss my ass.

I am also filing a complaint with the Better Business Bureau regarding their inability to pay my claims.

Been getting calls from them 3 or 4 times a day for the past week at my work number.

Never had a credit card from HSBC. Never give out my work number except to family for emergencies if they can't reach me by cellphone.

It's getting pretty annoying at this point.

I have received e-mail spam messages allegedly from HSBC on my work e-mail account for a couple of years. Today I received my first phone call on my cell phone from that number (I didn't answer because I didn't recognize the number), which is how I came upon this website trying to find out who called me. I was recently out of town and had an e-mail auto-reply on my work e-mail which included my cell phone number, so I'm wondering if they received my cell phone number because my e-mail account auto-replied to their spam e-mail. I have never done business with this company.

I have no idea who you are - - - I owe you nothing - - you have my number by mistake - - - you have my attention. . . continue and I will own you I am sick of your Harassment and Phone Calls. . . . I will find you out and take care of it MY WAY - - C-U-in court.

I never had any problems with Household Bank - except they kept charging me every couple of months for a service I DID NOT ask for. I would have to call every time and tell them to take it off.
I also got the notification that they where changing my interest rate from 9.9% to 27.99%.
I sent back my shredded card with the letter from them declining and asking them to cancel my card.
That is when I started having big problems with them.
I got the extra charge for the service I did not ask for - again!
They also said they were getting my payments late. Nope, I paid on there website and paid 5 days prior to my due date - like always.
So far they racked up huge fees on my card. Between the service I did not ask for, which in turn made my account over the limit which is another fee. and late payment charges.
I tried to talk to them about this and all they could say is when can you pay.
Not what they would do to fix it.
They call 8 to 10 times a day and at my work. I tell them to quit calling at my work and still they do not listen. They have been calling my work for 2 weeks now every day! It does cause a lot of problems with my work.
At this point, they are on the bottom of my list to pay. What's the difference if I'm late or not. It's their word against mine and according to them now, I'll be late no matter what.
I'm encouraging an investigation on this company.

this is just bad business. whoever had my cell phone number before me apparently accrued a lot of debt. i have gotten numerous phone calls from the state revenue service asking for this person and just a month ago i started getting calls from this number, they ask for this person and i say you have the wrong number. what is great is that the person actaully asked are you sure no one you know has this name? even if i did, like it is my problem. of course this didnt stop them from calling again and again.

so i called their "customer service". i have a credit card from this bank. i said people are calling my phone repeatly asking for this person, and i am not his person. the customer rep looked up my account and said we have no record of anyone contacting you. 3 times i had to tell her that they werent calling me, they were calling my cell phone asking for someone who wasnt me. Her advice was to ignore the calls and then proceeded to talk non-stop about services they could provide me.

i am going to pay off this card and be done with this, and get a credit card from a real bank.

The fact of the matter is that when you owe money and can't pay it all back at once (typical in America) people get upset or depressed in many cases when they get about 10 calls a day asking where their money is. Not saying that this is my situation, actually I have no business with them, however a family member of mine does.

I work out of the home and when I constantly have to drop work to look at the damn caller ID, and break my concentration because of this, it really pisses me off. A SINGLE call a day is fine, however these people are zealots when it comes to calling their customers. I'd refuse to pay just because they fill my answering machine up with blank messages. As far as I'm concerned these folks can take a stroll through oncoming traffic.

WOW.I.COULDNT.GET.OVER.HOW.HSBC.BANK.ACTS.LIKES.THIS.BOY.I.WISH.I.KNOWN.HOW.THEY.ARE.FROM.WHAT.I.READ.WELL.ANYWAY.I.HAD.A.ACCOUNT.WITH.HSBC..NOW.I.REGRET.IT.IM.ON.A.DEBT.MANAGEMENT.PLAIN.YOU.TALK.ABOUT.NOT.WANTING.TO.WORK.WITH.THEM.THESE.PEPLE.ARE.A.TOAL.JERK.I.HAVE.TOLD.THEM.WHAT.I.WAS.DOING.&.THE.THING.IS.THEY.FOR.KNEW.IT.THEN.THEY.WENT.&.SOLD.THE.ACCOUNT.TO.A.COLLECTIONS.OFFICE.IN.TEXAS.THE.FIRST.OFFICE.TOLD.ME.THEY.ARENT.WORKING.WITH.MY.DEBT.MANAGEMENT.PLAIN..THEN.NEXT.THING.YOU...KNOW.A.ANTHER.COLLECTIONS.OFFICE.GOT.IT.&.NOW.THEY.CALLING.ME.AT.HOME.BUGING.ME.ABOUT.IT.I.HAVE.TOLD.THE.COLLECTIONS.OFFICE.THAT.IM.ON.A.DEBT.PLAIN.THEY.ARE.WILLING.TO.WORK.WITH.THEM.THE.MAN.THAT.I.HAVE.TALKED.TO.SAID.THEY.ARE.(HSBC)LOOKING.AT.TAKEING.ME.TO.COURT.I.TELL.ALL.ONE.THING.NO.MORE.FOR.HSBC.BANK.I.WILL.BE.GLAD.TO.GET.OUT.OF.UNDERNEATH.OF.&RID.OF.THEM.FOR.GOOD.&.ANTHERTHING.MY.DEBT.MANAGEMENT.FOKS.WERE.SENDING.THEM.MONEY.THE.JERKS.(HSBC.).EATHER.SENT.THE.MONEY.BACK.TO.THEM.OR.TOOK.SEVERAL.WEEKS.TO.POST.NO.FOR.THEM.I.LEARNED.MY..LESSON.WELL.ABOUT.(HSBC)WHAT.A.BUNCH.LOW.LIFES.&JERKS.TO.BOOT..ANYONE.THINKING.GETING.A,CARD.WITH.(HSBC).THINK.TWICE.,HOW.I.WISHED.I.KNOWN.IT.BEFORE..IF.I.KNEW.IT.I.WOULDNT.NEVER.GOT.ONE.IN.FIRST.PLACE.REMEMBER.THEY.ARE.TOO.FACED.&.BACKSTABERS.TO.I.DONT.TRUST.THEM..NO.MORE.FOR.ME.IM.THROUGH.WITH.THEM.IM.WASHING.MY.HANDS.UP.TO.THEM(HSBC).THE.SAYING.IS.WITH.THEM.DAMED.IF.YOU.DO.DAMED.IF.YOU.DONT.WHATS.PERSON.TO.DO?

Dont apply for Credit Cards if you dont want to pay your bills.
If you owed me $, I'd call you all day too!
Take responsibility for yourself and quit acting like a victimized child.

Anyone who would actually believe this stuff just doesn't know anything about the company. I have been late before & have always been treated with total respect. I don't know what makes a person think they should not pay back money to a credit card when no one forced you to use it. Either pay your bill, don't buy more than you can pay for or let them help you as they have me. I can't stand a person who tries to make excuses not to pay a bill. I have worked in collections before & one thing is for sure. There are two kinds of people. One type of person does what ever they can to pay their bills & makes no excuses if they can't. The other is the one who tries to figure out anyway not to pay & blame the people they owe. You even have people who say it's the companies fault for giving them the card, or the one who thinks they can get a card & run it up over the limit & then say they want to close the account & pay what they want when they want. Boy I wish I could do that with my house payments, car payments & utility bills. For you people who want to gripe about collections just try it with your other bills & see how far you get.

I found revenge much like turkey did,i called them back,now we all need to do the same.

Okay - I DO read the fine print - and there is nothing in there that says if you are late on one payment - that they can call you 90 times a freaking day. And not only THAT - but for the $10. payment on a balance of like $128. Yes - I have three different cards with them - and I was late on ONE card - What gives them the right to call about the other cards - WHICH WEREN'T EVEN LATE?!??!?!?!??!- it HAS to be costing them a small fortune to keep calling me from India and the Phillipines.... This company is F***** up and belive me - I have taken out a loan to pay off the highest card $100. balance and these hopefully they can all just go F*** themselves... I learned my lesson and have also passed it on to people who MAY have thought about using HSBC....

I applied but was rejected a credit card by HSBC because I had no credit, not bad credit. Well a few months later they start calling because they say I owe an annual fee. HUH?!?!?! The first time they call I get a 'supervisor' who apologizes and says he will cancel the calls and that I owe nothing. He also tells me if I don't wait on the phone with him while he does this it won't be cancelled and reported on my credit report. After I inform him about my feelings about this (non-abusivly) he gets it done (I thought). Well I got another call LATER THAT NIGHT, THEN ON THE FOLLOWING SUNDAY MORNING asking for the $$ I owe. I'm calling lawyers.

For information on abuses of HSBC and its affiliates go to http://householdwatch.com. If you want to end consumer abuse at its source, simply never vote for a republican. Since Bush has been in office consumer protections have been weakened by those appointed by Bush to manage government regulatory agencies that are supposed to protect consumers. Also, we can blame both republicans and democrates for changes to the bankruptcy laws, particularly chapter 7, that make it much more difficult to discharge debts and obtain a fresh start. Exploitation of U.S. consumers, especially young people and those with low income, has become a global game. With the prospect of appointment of more and more conservative judges, don't expect a lot of help from the judicial system. It is a free-for-all feeding freenzy and consumers are the meal.

This is Turkey again,on my last post just click on the high-lighted web-page to find the dirt on HSBC,those mother fuckers aren't getting away with this! My name is Turkey,I'm here to help.

My friends I've found my revenge on HSBC,I call them everytime I get a chance, telling them my name is Turkey etc.,if you look at several complait web-sites you'll hear my "Turkey Revenge" story on 800-684-8429,HSBC has already broken the rules please check out the following web-site and you'll see what I mean.(NOTE THIS IS CAP SENSITIVE) HTTP://www.federalreserve.gov/SECRS/2006/November/20061116/R-1250/R-1250... My friends get your revenge call them back! You may want to alter (change) your voice! The best time to call is between 3-7 pm eastern standard time,the calls are transferred to India (I kid you not! They really are tranferred to India) From that point forward they're always asking for my home phone number meaning they have no way of knowing my number!Join the revolution! Get your revenge call them back!My army is building,many people are on my side and are getting their revenge on HSBC,I've made several posts on different web-sites. My name is Turkey,I'm here to help.

HAHAHAHAHA! I got those basturds back! I kept calling them back telling them my name was Turkey and I was looking to buy turkey.

For all the people who complain about the problems and don't do anything about it, FIX IT! If they filed a bankruptcy report with the CRA (credit reporting agencies/) then send them a verification letter! If they can't verify it, it automatically gets taken off. If HSBC won't stop calling you, send a letter asking for a cessation of contact, and another one asking for debt verification. Telling them over the phone to stop calling you doesn't mean squat, you need to mail it to them.

I found out about all of this by visiting the forums at http://consumers.creditnet.com/Discussions/ (half a million posts with advice about fixing your credit report and stopping credit calls).

I applied for and received my Orchard bank credit card after a chapter 7 bankruptcy. They sent me a card with a $1000 credit limit. That was 3 years ago. Today the credit line is $2500, I have never had to pay a late fee or an overlimit fee as I do not abuse the terms of the card. I may be the odd one but I never had any problems with them. I pay my bill early and stay under my credit line, last month they sent me a ZERO percent check on the mastercard for a year. I wonder if I am being treated special by them or if others do not appreciate the card and abuse it. NO I do not work for HSBC, I am just a customer like the rest of you. If you pay your bill early, and stay under your credit line, I am sure they will treat you the same way they treat me.

Yesterday, I received from Discover Card a notice of rejection for a new card. The reason: In April of 2007 I had filed bankruptcy. I have not!. I paid in full a credit card from HSBC and was sent a charge of $29.00 after I had paid in full and my check had cleared the bank. When I complained to the bank, I was told it was an interest due on the last interest. I refused to pay interest upon interest and asked to speak to a supervisor. The woman then said that the interest would be deleted and my account cleared. It was not until December 14th that I had any idea HSBC had turned the charge over to bankruptcy. I asked what proof he had and if there were signatures; what bankrupcy court had ordered the returns; what county, state was the case issued and judgment. He had no answer. After telephoning the bank on December 14th I was told to call back in a week. There was no case reference to use when I called back. "The man's name was Acbeeb. Not sure of the spelling." The bank had to research the issue and I could obtain the results in a week. I am more than angry! My credit report is not accurate now, I do not know when it will be cleared up and I NEVER filed banckruptcy

My mother passed away on 10/10. She had a credit card with Orchard Bank/HSBC. I made a change of address with the post office so that her mail came to me because I am the only one of her 3 children that live in the state and we figured it would be easier that way. Unfortunately my mother had very little money in the bank. She had no real estate, or valuable property. She lived in Minnesota (as do I) and when the estate is less than $20,000 and no property there is no probate. Well, in the last 6 days Orchard bank has called me 16 times! This is very upsetting. The holidays are stressful enough having just lost my mother, but now they are calling and harassing me! I was not a co-signer on any credit card, nor was I a joint holder of any card. The first time they called I explained to them that she passed away, had no assets and therefore there will be no probate. I requested they not call me again. 15 more calls have been made. The callers seem to be in a foreign country that have no real clue, and do not speak english very well. I've spoken to a lawyer, and they have no right to contact me once I have told them the information I did and to stop calling me, yet they persist. Since this was not my debt, how do I go about getting rid of them? I've looked online and see all kinds of horrible stories about them. This is really upsetting. My mother's birthday was Monday and they called me then - I lost it and yelled at them and the jerk just yelled back at me. These overseas call centers are staffed with such cheap labor they don't care if they are breaking the law, or breaking someone's heart. The post earlier from someone who said to suck it up, well they need to get a clue and feel a little empathy or compassion for others. People sometimes have problems, and they shouldn't be treated like criminals, and they certainly shouldn't be harrassed while mourning the loss of a love one. I hope one single person that was thinking of doing business with Orchard/HSBC and decides not to, the best way to hurt these companies is to affect their bottom line. Anyway, thank you for the forum.

I have had a card in the past, paid it off in full. Dont owe this company ONE RED CENT. However, i seem to get a different response from the number. I get 12-20 calls DAILY (this is no joke), when i answer the phone, there is no person on the other line. At the 10 second mark, it hangs up. This is happening EVERY damn day, so i am done being harassed. I have hired a lawyer, and not just one, a TEAM. Does anyone want to entertain the idea of a class action suit? If so, contact me by posting and/or email. If we can get 20 or so together, we can stop this and possibly be rewarded. This has caused several problems for me: I have changed my cell number 4 times in the last 3 months. I have paid overage charges for the minutes. It has rung and rung during work hours, SEX, church, during my sons homework time....you name the time, the phone is ringing non stop! Lets stop this for good!

Drew

Sounds like you are all living beyond your means and/or you don't read the fine print in the contract. Sounds like typical American whining.

Suck it up and shut the "F" up.

Maybe if you all took some basic financing classes and live within your means, you would not have these issues.