Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi everyone. I,m new to this forum so please bear with me if I have posted on the wrong thread.
I have a problem with HFC bank who have registered an arrangement to pay on my credit file regarding my Marbles Credit Card. I have never entered into an arrangement to pay with them and have always paid at least the minimum amount due on my statement. This 'arrangement to pay' was entered in 2006 when I was up against it cashwise. I didn't miss any payments but I did pay quite a few late (Never any default notices or letters). There are two issues which are the only things that I can think of that would lead to them doing this, although I think it would be unfair to declare either as an 'arrangement to pay'
1. I usually paid using their internet facility but they blocked my access on one occasion so I rang them to make a telephone payment and to request them to unblock my access to my account to which they replied that they would only do this if after I made three consequtive payments on time.
2. I rang on a Sunday evening to make a payment and was told that they could not take payments at that time and I would need to ring back.
All HFC are saying is that, according to their records 'I agreed to make a payment' and this constitutes an arrangement to pay and are referring to these telephone conversations.
Incidentally, I owed around £6k to them at the time bit I am now £1 in credit and am pursuing them for my charges back.
Hi and welcome to the site.
Have a read of site rules and the FAQ's. And the How do I guide to the forum.
In the meantime I will ask for your thread to be moved to the appropriate forum.
Just shout if you need help navigating the site.
Welcome to the site.
Is it correct to assume that you are questioning negative entries on your credit files ?
There appears more than one issue here.Have you done a S.A.R. to the bank yet ? If not you should so so.In your request specify that you want a copy not only of the transactions and charges history,but also all records of communications between you and them.Tell them that you do not consider telephone conversations as an acceptable form of agreement and they should produce your written instructions.
You are entitled to add a notice of correction to your credit files which stays there pending the CRA contacting the creditor to clarify things.
Although your issues are alleged debt related you do not say if there were/are DCAs involved or the banks in house collections.and as you are going for refund of charges I think it should be moved to HSBC forums.
Feel free to ask for further help and keep the thread updated.
Nb; I notice your user name looks like real ? The banks and FI monitor this site and revealing your real ID could compromise your claim to favour the defence.Therefore its advisable to change it. To do so send a pm to admin or team member with the new name you wish to use.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
You have had some great advice there, you need to find out exactly what the bank has in the way of records so the first step is an SAR including a request for both copies of your statements (so you can calculate the charges accurately) and the correspondence / record of telephone calls so you can see exactly what they have based their notices to the credit reference agencies on.
Thanks for your response. You are correct - I have sent for, and recieved a copy of my credit file and my record shows 'AP' for one month (August 2006). for Marbles. Other than that the entire three year record for this account shows all zeros. I had recieved a reminded letter from their in house collections dept but have never received a Default letter, and it has not been referred to a DCA. I have never made reduced payments and have cleared the debt. I have also never missed a payment - I have made payments after the due date but not actually missed a payment.
I have attached a notice of dispute on my file, and sent for and received a SAR from HFC - but they only sent a record of the past six years transactions (but to be fair thats all I asked for). I'll take your advice and send for another one using your suggestions.
n.m.harris v HSBC (Marbles C.C.) default issues
TSB
Reply With Quote
---------------------------------------------------------------------
