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it has nothing to do with
it has nothing to do with people thinking they shouldn't have to pay it back. Sometimes people get down in bad positions and they are trying to get out of it, take me, I lost my job and have been trying to get one back that pays me what my last job did, so while working odd jobs I have fallen behind on my bills. So now that I am behind I receive 5-10 calls from one HSBC account and 5-10 from another HSBC account EVERYDAY. I have answered and told them what my problem was, but they continue to call EVERYDAY. It is like every hour I get a call from HSBC and it is ridiculous. and it has nothing to do with me not wanting to pay, or thinking I shouldn't pay, I wish i COULD pay, and I don't need them harrassing me.