My daughter (a minor) had an account at "Petland" for the purchase of a very sick puppy. She paid the account due in full on the last day due by telephone check and Petland's Payment Center messed the payment account #'s up. They then went after her and my wife for the passed due interest. I spoke to Petland on the telephone and I wrote letters to Petland and they sold the account to HSBC. I the wrote HSBC and the Federal Trade Commission a certified letter explaining the fraud. HSBC turned around and immediately sold the account to LVNV. They have in the past been really harrassing us on weekends and holidays over a fraudulent charge of $563.00 in interest charges. My wife's credit is now deliteriously affected. These folks are crooks!! What do I do?