I co-signed for my son some years ago for a Bowflex product. Although he has had some difficulties and late payments, he "thought" he had made arrangements for sending a lower payment (discussed by phone w/hsbc), and now finds these payments have not been acknowledged. As his co-signer they are now harassing me, a senior citizen. Not only have we not received a straight answer on exactly what the add-on charges are, but balance seems to be different each time they call. The calls have become harassing and extremely rude.