Let me get this straight.
You forgot your Hotmail password, and then forgot/don't use the alternative email address and NEVER UPDATED YOUR HOTMAIL DETAILS.
Yet, somehow, this is Hotmail and Microsoft's fault..............
(And I dunno where you're getting all these "questions" from, especially credit card details, since I just did a "forgot password" click and got something completely different. I suggest you turn off your computer now, then either get someone competent to scan it for viruses or destroy it because if you cannot check or update your details when you KNOW something has changed, or don't know that your computer has been infected..........)