hi, i am new to this website. i have had the same problem with HSBC. i havent even claimed back my charges yet, although i have received the statements, and after this, i noticed 'late' payment notices on my account. the information was so out of date, that didnt have time to tkate action. i mean, i noticed in march, that '1's' had been placed for December 2006, so by april time, another 3 '1's' had appeared and i now have 5!!! i went through a hard time communicating with HSBC and experian. both blamed each other. the markers are still there, and i had given up hope. i think this is a new thing they are doing, charging you £25 AND rejecting a DD payment AND damaging your credit history. ITS DISGUSTING. i feel like i'm being punished 3 times over. i am now watching my account closely, and with help from this site, i will try another angle. Sorry, i'm sure you were hoping for a solution. will let you know if i get anywhere.

hi, this is my first post! HSBC have started doing something that is quite new to me in my 9 years of banking with them. instead of paying or rejecting a payment, they put a 'late fee' notice on my credit report. i now have 3, and due to their delayed communication with experian, i may receive 2 more. i think 6/8 equals a default. can i get these removed? this is ruining my good credit!