I have been a MasterCard / Direct Merchants Bank / HSBC Card Services card member consistently since January 2006. During these past 3.5 years, I have made consistently substantial payments on time every month with the intent to quickly pay down my balance. For any legal assistance I had chosen to confide in, I would be glad to provide copies of all statements, or a list of payment date details that demonstrates my history of early, timely payments every month. From January 2006 to May 2009, HSBC had consistently mailed statement/billing... read full review »