Hey Guys and Girls, Well i'm new to all of this so forgive me if i seem a little disorientated however here is my story - Basically last Feb I decided to leave the country to work abroad, so i notified HSBC and also asked for a relative to become a "representative" to my accounts whilst I was away. So you'd think with the Worlds Local Bank this wouldn't be a problem....hahahaha I moved away and worked on ships - visiting several places; San Diego, Cabo, P.Vallarta, Acapulco, San Fran, Vancouver, Victoria B.C, Seattle...anyways all major cities and couldn't find a single HSBC to pay money into...meanwhile back at home my representative was being refused by HSBC even after a written letter of consent from myself was sent. Therefore my d/debits and loan repayments where being declined and resulting charge upon charge. Soon I had £600 in charges in 6 months. I came home and the very next day went into my local HSBC branch - asked them why they refused my representative and why there where NO branches of HSBC in any of the places I had visited. Quoting there own "local bank" motto I was told that they operated under WellsFargo in the US - something that I reminded the bank manager may have been helpful to mention when I told them I was going to be working abroad! Anyways after a lengthly chat I agreed to a managed loan to sort out this mess. Thinking that this would be simple and easy - I reitterated the importance of my representative whilst I was away. So with no overheads I agreed to a £300 a month loan to pay back everything within the year, NO PROBS. I made the first 3 payments and then broke my foot while at work, having to be sent home from mexico I immediately notified the bank with a copy of my x-ray and a doctors letter saying that I would have to rest my foot for 8 weeks! no work. The bank said that this was all good and payments would be suspended until I could begin repayments. I said that this was fantastic and was glad that they understood - stating that the missed payments could be tapped onto the end of my loan agreement. Now I began repaying the loan and recieved a phonecall asking for the £600 that I was unable to pay due to my foot. I explained that this was impossible and would take every penny that I earned to pay for this - the response I received was basically "tough s**t!" So I was told that I would be making a double payment for the next month, thats £600 a month!!! I struggled...moved back to my mothers and made the payments. So thinking that I was now OK and only had 1 payment left to repay at the end of my loan once again *phew* sorted! Hell no! Over the last month I have received yet another phone call asking for this final payment to be paid NOW! - after months of silence. I agreed with HSBC's telephone agent that over christmas this was an impossible task and at the most I could pay back and extra £75 per month until the end of the banking term - we where agreed!! I would bust my guts and give it all to the bank! - Hell who needs christmas anyways! Now I made my first payment on the 31st of the Oct thinking that I would be organised, pay it a little early - Oh no! this was a bad move on the 5th I received a phonecall demanding £375 for a payment that had been missed??? So I explained to the operator that I had simply made the payment on the 31st and he said this was fine! - 2 days later a letter and another phonecall demanding this money - oh and they have slapped me with an reversed d/debit of £25.00 taking me overdrawn and now I expect an informal overdraft request fine as well. Basically the result of all this is that I have bent over backwards to try and keep this bank happy and I just can't do anymore. They have taken my switch card and just given me a solo card, my credit rating is now smashed to pieces and I feel like I can't do anything to help!! IS THERE ANYTHING I CAN DO TO FIX THIS???? IS IT WORTH SEEING A SOLICITOR??? THANKS FOR READING THIS GUYS!!!! I LOOK FORWARD TO YOUR REPLIES.