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Default from HSBC on credit file....no knowledge of debt


jimmyp87
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Hi!

4 weeks ago I found a default on my credit rating from HSBC Bank.

 

I have no knowledge of this, having never had an account with them.

 

Sent a letter to them and recieved one asking for more address's as they cannot find me on their system.

 

They recived it 3 weeks ago and no reply.

I phoned them up today and they say they cannot find me on the system

and that I need to take a copy of my credit report into a branch for them to scan into the system so they can find me.

this is what my credit report says....

 

HSBC BANK Loan Default Satisfied 05/07/2009

Seen an error on your report?

HSBC BANK Who's this?

Entry Number: C1 | Account Updated to: 05/07/2009

 

acount Type: Loan

Started: 04/06/2008

Current Balance: Satisfied

Default Date: 31/01/2009

Default Balance: £439

 

View Account Status Details:

Account Status Details

(1-12 months)

Account Status Details

(13-24 months)

Last updated: 05/07/2009

 

 

Can anyone give me some advice here?

 

It's like talking to a brick wall and I'm meant to be moving house soon!

And they won't let me with a bad rating

Regards!

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did you ever use HFC or beneficial finance at all?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they were / are old names.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hello!

 

After weeks of searching HSBC have told me that the debt is apparently with HFC Bank.

 

I contacted them and they said I'm no longer on their system as they passed it on to rob and way co...

 

.after a hour of talking to them they can confirm they have no heard of me

and have never had an account open with them at all..

 

..the default was issued 5 years ago in January 2009 and it's really damaging my file.

 

No one knows anything about me what shall I do?

 

Shall I send letters to all companies?

Thank you

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told you it was HFC.

 

send them an sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Good thinking!

However when I spoke to HFC they told me they no longer had my account and had passed it on,

 

however the agency who apparently received it don't know anything.

 

They are the company who issued the default I imagine though

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no knowing HFC they would have defaulted the account

HSBC took on all olf HFC accounts

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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