first of all my complaint starts off with Kawaski sports center in Little rock AR. I went there to trade in a four month old Honda i purchased new from Honda, i needed a biger bike! kawasaki had what i liked, they took the trade if i would finance with kawaski credit, so i filled out the credit app. i thuoght was for kawaski credit. but unknowingly was an app. for HSBC. the sales rep. told me it was set up like an revolving acc. that i can add to to dress the bike and 7.9% for the first two years. i signed the reciept not a contract. but on the bottom it said. "i agree to turms of HSBC incorated by reference", off i went on my new bike. I was waiting on a payment book to come in thr mail but instead got a bill from HSBC, a kawaski card and turms of the bike note. this is when i first new that it was finaced on a credit card. to late now so i went with it. all was good till the to yeas ran out and my 7.9% went to 17.8% witch jacked up my payment, plus my payments started getting posted late, and they charged me late fees plus put me in defalt 24%. this snowball very fast . and yes i mist a payment during a move i made, and was late to send the next, well to make a long story short, the bike i got over 6k invested in was repoed without warning, i offerd HSBC the back payments plus the repo fee and go get my bike, they told me it was to late and the only way to get the bike back was to pay full bal. of the note plus repo fee, and i had ten days to do it, well within the ten days my bike was removed from the state and sold at a closed sale for way less than trade in, its was all a scam from day one, the system is set up for you to fale