I have HSBC on my DM program with T&C and they are still charging me over-the-limit fees of $30 a month. I'm currently $180 over the limit. I called them myself and offered to get the account under limit by paying $150 in two payments if they would waive at least two of the OTL fees for June and July and they refused. They are only getting $15 a month and they're charging me $30 in fees. Sometimes they charge two OTL fees for $60 a month. How am I supposed to get them paid off at this rate? T&C said they are supposed to reage the account.


