Hi All, long time reader 1st time poster! Please be gentle! Not sure if posting this in the right place but seemed like a good place!
I have a situation, basically when i was 18 i took out a Credit Card with HSBC, in 2005 i got behind in payments and my wonderful mother took out a loan, cleared everything and i paid her back. She paid off my Hsbc credit card among many other items. I have never to this date received any further correspondence from HSBC since the issue of their last statement in February 2005.
Imagine my surprise when i check my credit file (which i do monthly without fail) in January 2013 to see an old HSBC account ending in my old credit card number showing up on equifax at my old address (i moved in 2009) as settled in september 2012 with green markers saying payments have been made on time since september to now. I contacted HSBC through Equifax and they have confirmed according to their records, it is correct.
I then checked with CallCredit and noticed that the same account is marked with a Satisfied Default dated 31st August 2012 in the value of £0.00? Can they even default you on a zero balance?!
I sent off a SAR to them on 27 March, received a response on 10th May suggesting that the SAR request was not necessary, enclosing a copy of the original agreement dated 2002, but stating that the last statement was issued in February 2005 and they no longer have the records, they confirmed they had destroyed my cheque and if i still wanted a SAR to send the request again to a different address.
I sent that off recorded delivery yesterday as i don't think they are allowed to do this but could do with some advice. I did not notify them of my move as i had received no correspondence between feb '05 until I moved in '09?
When I spoke to them in January trying to investigate, i notified them of my current address. However the default which has now showed up as registered in august 2012 appears to be registered at my current address? They advised then that the debt had been closed and sent to a debt collection agency, who i foolishly rang but they confirmed had no record of me on file... Which would make sense on a default of £0!
Any ideas? I was 12 months away from the last default coming off my file. Now it saying there will be one there till 2018. I have paid all of the debts i was aware of in full, not settlements as I felt obliged to given that I racked them up. But this one has hit me like a ton of bricks out of the blue
Kirk
