Case Update:
I thought I'd just put in a little more info here as my main post is not the best. When I went into this Arrangement to Pay I was not aware of the affect it would have on my credit file. I was called by someone from CapQuest from their mobile requesting payment for the debt. They said I could either pay it in one go or set up payments over a few months, as any normal person would, I opted for the payments. I was not told in any way, either by letter or over the phone, that it would have and adverse impact on my credit file. This is what I'm disputing, they did not inform me adequately and now I'm paying the price. I didn't formally accept the arrangement to pay, the payment ammounts were not reduced, the full debt was paid off, the interest was not frozen.
So do I have a case?
Update:
Sent a letter to HSBC last week asking them politely to remove the ATP from my credit file. Got a reply this morning saying they would not be able to do that as it accurately reflects the way the account was handled.
I'm unsure where to go from here, but I'm thinking of sending a S.A.R. to HSBC for the CC account. The debt was sold to CapQuest. I'd like to get some info from CapQuest to prove they did not inform me properly. I just want to show they conned me into repaying the debt without telling me about the affect on my credit file. I'd have paid the debt off in one go if I knew it would cause this much trouble!
Any help would be appreciated, either on where to go from here or what further action to take.
Kind Regards,
Luke.