Joined HB in November 2010, initial set up fee £300, paid. Agreed to start payments of £300 from January 2011, split between creditors and fee of £25 to HB. Its March, still getting statements, still being charged interest, still rising debt. Cancelled direct debit on 11th March after speaking with Barclaycard and Capitol 1 who have not been paid a bean. Tried to get HB but couldn't get through. They have just called me to say they can't get moey from my account, have told them why. Alledgedly, the set up fee is £600, not £300, I have no paper work to this effect and it was never mentioned when they were sugary sweet to get my money. They have lied and cheated and broken all trust between myself and my creditors. I have told them I wish them to return the £600 outstanding which, they have taken as far as I can see, to line their own pockets. Hopefully this will be resolved quickly and without pain!!!