I was originally dealing with Corporate Recievables, however my account has been sent back to HSBC (for a seaman's credit card) and HSBC sent it to a new collection agency (Leading Edge Solutions) The guy I spoke to Angel Gracio was the NICEST individual, very compassionate, and he knoew I do want to pay this debt (but know I can not pay in full). However my question is this 1. he said they will be charging me interest (it's a new law) for everyday it's in collection is this true? Also... if HSBC took back the account can't I pay them directly?