I made a payment on Dec. 23, 2009 with electronic check, at store. On Jan. 8, 2010 HSBC contacted me to see if I would bring payment up to date. I informed them I had made payment, the amount and on what date. I ended up going to bannk and getting documentation of payment, sent it and a letter explaining problem, registered mail. They contacted me a couple of times afterwards and had to explain everything everytime, they assured me they had everything they needed, but just had to find out where it went. Received letter today, Feb. 13, 2010, that my complaint was being nullified because I didn't send proof. I'm going to resend one more time and then I'm going to send copies of everything to better business bureau, att. general, and take everything to my lawyer i guess.