Thanks for the reply.
Yes the 11.00 was the monthly payment and all the payments had been made.
Just a quick update, i understand people on here are busy, so i read read and read some more on here and took info i needed, added bits and took some away.
Anyway i finally emailed the following people and copied everyone in on all the emails i sent. Believe it or not i got a response within 2 days, with a full apology and offer of compensation.
The CE of HSBC (Paul Thurston)
The MD of HFC
My local MP
The F.S.O
The Information Commissioner
The Prime Ministers Office
David Cameron.
Whether or not the last 2 helped i dont know, but my credit file has been amended and i await the compensation. All in all there cock up over the last 9 months has cost me a mortgage product which would have reduced my payments by a considerable sum. Credit Card limits have been reduced, interest rates on credit cards have been put up and ive been refused a 0% Balance transfer credit card which would have also saved 15.8% a month (Virgin). Along with other little things. The big thing is the mortgage.
I had to take the action i did and email the people i did, as my credit rating had been totally destroyed over a fabricated 11.00. From being someone who had never had a problem with credit to being refused everything, it hit me quite badly and whilst i do earn a good wage, im not well off enough to be paying over 300.00 more than necessary on a mortgage and losing out on 0% Credit Card deals.
Although there weren,t many replies, i would like to thank everyone who contributes to this site as a whole, without it i would not have known where to start.