I have 2 mastercards (they are both HSBC)

I have 2 credit cards (they are both mastercards) One is called Orhcard Mastercard and the other one is Household mastercard. Both of them are HSBC cards. The credit limit on one was for $300.00 and the other credit limit was $650.00. I have not charged anything on these cards for years! I probably haven't charged anything on them since 2004. I have paid and paid and paid these cards but the balance just keeps going up. The balance of the $300.00 limit card is now close to $600.00 and the balance on the $650.00 limit card is now over $1000.00.

I wish I had the money to pay they off but I don't. I have called and talked to these people. I have explained that I used to have 2 jobs and now I just have one. (I was laid off from the other job). I could probably pay them $25.00 (each) per month--but what good would would that do if the balance just keeps going up? The people on the phone are nice, but I can't get them to work with me at all. I am willing to pay if they will stop all the interest and finance charges. Is there anything I can do to get them to work with me?