Is hfc bank ltd a com or scam artists?

Do you think hfc bank ltd are just after peoples money, im bein ripped off with hfc with intrests being put on my balance e month, im payin £16.10 but only £8.54 is bein paid because the rest is intrest bein put back on top off my balance, they are taking money out of my account without my permission, any one experinced any problems with hfc bank ltd let me no or av exprerinced any problems with them in the past let me no thanks
Answer
They are a business first and foremost and only in it to make money, however i having borrowed money from them to help pay for our wedding the interest was excessive.we k out a loan in the end to pay of hfc bank, and even though we paid the full amount before the due date they still charged us interest. i refused to pay it and in the end they backed down.