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I worked in debt recovery for many years and acted for the John Lewis Partnership, who sold their store account business to HFC Bank in 2003. HFC is a subsidiary of HSBC and immediately on taking over the business the bank started adding illegal charges to accounts in default. A new company, John Lewis Financial Services Limited was created and without changing any terms and conditions in the credit agreements HSBC began adding 16.4% of the debt when the account was passed to... solicitors for collection. So, on a £10,000 debt the bank added £1,640 to cover their legal cost accountings, regardless of how much work was done by their solicitors.