The holiday season is here. My family and I left for holiday. Slipped on a credit card debts from my Gold card HSBC due 28/12/09 sum of Less than usd$30 and usd$100.

When we were in Macau and Hong Kong, I received roaming calls from really rude DEBT COLLECTORS acting on behalf on HSBC.

Yet they claim HSBC 'The world's Local Bank" and you see the websites full of awards and how they can help.

They are just practically Loan Sharks in Suits. A camouflaged.

I understand by all means I owe the charges on my Visa gold card. But the amount owing is so minimum compared to my monthly payment in which I NEVER pay in installments and always the FULL AMOUNT never LATE.

Seeing this History, they should have some understanding and a grace period. I am willing to pay the late charges and the interest added.

This is small money. What I am most annoyed is the RUDE DEBT collectors Ladies who are trained to talk in annoyingly understated manner and a subtle threat in which by law is still acceptable. (not an open threat)

Upon receiving these calls, the following day when my office re opens after the new year, I asked my secretary to immediately find the statements and call and PAY ASAP.

Outstanding balances was paid in full together with late charges and interests.

And Yet, once again, this morning, their DEBT COLLECTOR called and ask me to pay up again, over the same matter.

Please, for a bank who claims international standard and with slogan "the world Local's bank", HSBC falls to Low to employ debt collectors with the level as the "Loan SHARKS'.

I wonder how many more days if I had delay the payment and they will come knocking on my house door or even write banners over usd$100?

Ridiculous.

I write to this website is also because upon calling the debt collector number and asking to speak to their person in charge, the DEBT COLLECTORS lady on the phone refuses to give out the name and put me through. I suppossed each stand on their own with a substantial amount of commission if debts had been collected.