HSBC & Rhodes Furniture Marks Fitzgerald
Now I know why HSBC does not allow you to pay your account in full with a credit card

April I purchased furniture at Rhodes at 5220 Capital Blvd. Raleigh NC 27616 for the amount of $1484.09. The sales person said it was interest free for one year. Which ment to me if I payed it off by March there would be no interest. A few monts after that transaction Rhoades went bankrupt.

I did not recieve any statements. (I did relocate and I DID fill out the change of address forms before I moved) I did recieve a statement from HSBC dated 10/03 stateing I owed $157.39 in finance charges. And the promotion expiration date was Nov/04. I knew I was told A year from the date of purchase so I ignored it.

And why did I never recieve any invoices until Oct.? They tell me they did not have my address. Well how did they have it correct in Oct.?

So Feb. 2006 I am thinking I am going to pay this off in full in March so at that time I sent them $100.00. I did not get any statements no documentaion whats so ever from them. So March I found the phone number for HSBC and called them. They denied that they had my address, said I never gave it to them. I spoke to Andrew which said I owed $1,800.59.

I requested to speak to someone in the dispute department. I was connected with a women which said if you pay this off today there will be NO MORE charges. I was going to give her my Visa Card. She said I can not accept a credit card. It has to be a check and it has to be payed today. I said I do not keep that amount of money in a checking account. No way would she take my Visa.

After I hung up I got to thinking no company I know of refuses a credit card. I also thought if a company is fraudulent the credit card company goes to bat for you. So the next day Mon. March I went to the bank and got a certified check and paid the amount of $1,384.09 which was the balance Due without interest which I was told by the sales person that a promotion was going and I would pay NO INTEREST until April. Then HSBC found my address and phone number and have sent me an invoice every month adding interest to interest. They have called me EVERY single day at least once. I have gotten calls as early as 8:15 E.S.T. I got so sick of them I bought a caller I.D. Phone so I knew where the calls were coming from. They have got the interest up to aprox $800.00. I did talk to them, wrote them, they produced a form that I had signed at the store at time of purchase that said 6 months interest free. I was not given this copy at the store. I am sure they knew they were going bankrupt and wanted to make all the sales possible with any deceptive methods they could use.

I have used the promotional programs with three other company's with NO probelms. They have given me all the correct paper work that I can refer to if I have any problems. And yes they are all still in business.

My credit rating has always been excellent. Before this episode it was eight. They have turned this over to all three credit companys. After reading other letters about HSBC not closing accounts and continuing to add interest I see why they refused my credit card to pay in full and close it for ever. I see where people send their checks and they do not post them until a much latter date and therefore they can continue to charge more interest and not close their accounts.

I think it very sad that large corporations rip people off and have no consequences and the public has no recoarse.

Company: HSBC & Rhodes Furniture Marks Fitzgerald
Country: USA
State: Illinois
City: Carol Stream
Address: HSBC Retail Services P.O. Box 5244 Carol Stream, Il 60197-5244
Phone: 8003652028

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