Missing Monthly Data on Credit Report Entry.

[andy1886]

I'm sure that you're right Brig, they seem like decent enough people but it must be like trying to fend off a herd of elephants with a blade of grass.

 

Perhaps if a precentage of the fines went to fund the ICO then they might be able to afford more staff.

[BRIGADIER2JCS]

Under funded, under staffed I'm afraid!!

[andy1886]

Great News!!

 

HFC have caved in and corrected my record to show a default (8) status on my account dating back to the end of September 2007.

 

This means that the record should be removed from my account by the end of this month!!

 

This shows it really is worth keep nagging away at them until they give in.

 

If anyone else has the same problem (account showing years of arrears but not being defaulted)

 

do quote the ICO guidance on issuing defaults and insist that the bank applies it.

[dx100uk]

hey well done

 

dx

[dx100uk]

now on to the reclaiming...

 

dx

[andy1886]

Thanks DX,

 

I have the SAR information although there isn't half the stuff I would have expected (no reference at all to their collection agency that I dealt with briefly).

 

I need to go through it and see if I can spot any charges/fees that may have been applied.

[dx100uk]

no PPI or life?

 

dx

[andy1886]

Just when it all looked sorted....

 

I checked my Experian credit report early October and hurray! the entry from HFC had been removed as it was over 6 years from default date.

 

A few days later I apply for another course with the O.U. (I have been with them for 24 years on and off and always paid through my OUSBA account which means I can pay monthly, without this I would have to pay up front which I couldn't do). Result? Rejected application!!

 

I check my files and guess what? On the day of my application my HFC entry had been put back on my file with a single '6' entry again under HSBC Bank (HFC's parent company).

 

Luckily I had not closed my compaint to the ICO and they have got as far as writing to HFC now for an explanation. It does however mean that four years of study I cannot continue with the O.U. and all my time and cost of the courses has been for nothing.

 

HFC/HSBC, scumbags the lot of them.

[dx100uk]

but the default date should not be diff?

 

dx

[andy1886]

It has come back as just a single late payer '6' entry, no default shown at all, no previous history, just a '6' against September 2013.

[dx100uk]

6 means default.

 

nasty lot

 

that's against ico rules

 

demand it is removed

 

as you say pull the co's chain now by phone

 

dx

[andy1886]

The previous entries were all '6's which the explanation states means more then 6 months in arrears. When they actually changed it to a default this was shown as an '8'.

 

I have contacted the ICO again and sent an email to my case worker with all the details so that they can find out wtf HFC/HSBC think they are doing.

 

I hope that there is some form of divine afterlife justice and that these nasty people end up somewhere suitably warm and painful.

[dx100uk]

the fact that HSBC are now being shown against nearly all delinquent HFC debts

is a process started recently.

 

it may just be the case

[and I hate to support any kind of excuse where HFC are involved]

that thischangeover is automactic

and was already in progress before you got this resolved.

 

so thus the 'changeover' process didn't know about it happening.

 

I suspect it will be resolved and put down to an admin or computer error.

 

dx

[andy1886]

You're probably right, but if they get a kicking from the ICO then I will not be complaining.....

[andy1886]

SUCCESS!!!!! The ICO have ruled in my favour and HFC/HSBC have been instructed to remove my record from all the CRA's files.

 

They were found to have not complied with the advise on registering defaults which means my entry should have been removed after 6 years in September 2013.

[BRIGADIER2JCS]

Excellent!!!

[dx100uk]

yes good result.

 

silly computer error I bet excuse

 

dx