I had a GW work with HSBC on one of my credit cards. I didn't recieve a reply for approx 3 months. It was a total shock for me when I recieved a letter, so much time had gone by. "You've been an elite customer since 01 blah blah... it is our pleasure.... blah blah, we will report to the cra's as paid as agreed and remove the lates:. Great news.
Ours were about 4 years old and 2 consecutive months. We sent the letter to the same address on our bill, attention "customer service" (the account is still open)