HSBC Credit Card

[Going slow]

Hi

 

I have a credit card with HSBC and whilst I have never missed a payment with them they decided in 2021 to freeze the card .

 

They wrote to me telling me to phone them to discuss options i.e instalment plan or loan . I tried to phone with little joy and so tried to contact via the internal messaging service and also wrote to them .

 

Each time the response was that I had to phone them . I was and still reluctant to do this and would prefer to have something in writing .

 

The credit card is still attracting interest at 29.9% ( Also ramped up just before freezing the card) and I am making minimum payments which only drops the balance by a pittance each month . I have also made additional payments where I can but the balance is still circa £5k ( started at 8.7k).

 

I want to deal with it now once and for all . Is it worth raising a complaint especially considering the amount of interest paid and lack of response or should I just bite the bullet and try and pay this off as quickly as possible 

 

Thanks in Advance

Edited July 21, 2022 by dx100uk
Spacing

[Andyorch]

Do you have access to the account via on line portal ?

[Going slow]

Hi Yes I do

[Andyorch]

So are there any options available for contact /complaints etc ?

[Going slow]

Hi again 

 

I have the option to contact them via the chat support . When I click on Complaints/Feedback I get given the option to call,visit a branch or write to them

[dx100uk]

Send them our pro rata letter from the debt collection section of our library??

 

Dx