Hi, hope someone can help. I have had a payment agreement in place since Jan for a period of 6 months, the plan has now come to an end from a previous thread i started i received some great help and advice. The last letter i received from HSBC stated that my account had been passed to Metropolitan Collection Services and Once the six months had expired MCS would contact me. The account is for a personal loan it was given to me as i was always OD and just about paying the minimum on my credit card they put it all in one loan. I have been paying it back for approx 4.5 years and still only managed to pay 3000 off a 10000 loan. I can't find any of the details and with to CCA and SAR them, my question is who do i send the requests to is it HSBC or MCS?

Hello Am brand new on here and also never posted in a forum before. I would really appreciate some advice on MKDP trying to collect a debt that I think is statute barred. If this is not the appropriate place to ask this question could someone please direct me??? Thanks

Hi I hope some one can help, I am in debt like a lot of other people, and have tried to ignore it too, but finally pulled myself togeter and its time to face it head on. I owe HSBC overdraft £215 account taken in about 2000 (approx guess) HSBC CC £1366 taken in 2005 I believe? Co-op Student over draft £2124 taken in 2007 (with lowells and bryan carter now) Very £321 (with lowells) taken 2011 isme £289 (with lowells) 2011 littlewood £649 (with lowells) 2011 I got in trouble after uni as I thought getting a degree would mean a job but as the ecconomy crashed in the middle of my time at Uni, it proved difficult and all the credit that is offered as a care free student soon gets nasty when you finish and dont get a job. I had low paid jobs to start with and couldnt afford repayments, then I had an injury at work, which is when i resorted to catalogues (stupid idea I know). I have sent CCA's to all accounts with Lowells and bryan carter several months ago!! they did not respond with in 12 days?? the only response I've had is 2 days ago a letter from Bryan carter with a copy of my statements from co-op?? nothing else! the letter says I hope this resolves the issue?? what do I do now?? Also the smaller debts with Lowells I was hoping to make a full and final payment offer of about 25% (as lots of the cost is interst and charges). Also the same for HSBC over draft and pay 1 a month off? do you think this is possible? I havent heard anything from HSBC when would they be removed from my credit file? if they are still putting a default every month on my credit file will the debt stay there forever? Sorry it's long winded, I've so many questions and I want to get it sorted so I can sleep in peace for the first time in years.

Hi can anyone help me, I have sent a SAR request to HSBC, I used the following address: HSBC Bank Plc Service Quality Team Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP I sent the letter Signed for delivery with Royal Mail. My problem is when I track the letter on royal Mail it says that they (RM) have the letter, does that mean that no-one signed for the letter at the address and it is sitting in the Post Office. Is there another address I should be sending the request to, how long will I be expected to wait for the information? Grateful for any help!

Hello. It's been almost 5 years since i was last here. Still paying off that damn managed loan! During 2004 when i was originally pushed into taking the loan (due to dire financial circumstances and a lost job that meant i could not pay my debts) I was told that the loan was "managed" and would be regularly reviewed until i was in a better position to pay it. After a year i asked for it to be reviewed and they told me that managed loans weren't dealt with in that way. A story that i've heard other people tell since then! At that time, i was heavily depressed and taking prescription antidepressants. I remember very clearly crying in the branch when i was talking to my bank manager about how i needed help and asking what they could do. I feel that i was exploited by the bank and made to take a product that, had i been in more of a clear-thinking place rather than severely depressed, i would have thought about more and asked more questions about instead of snapping their hands off at anything they could do to help. I'd like to know if this type of manipulation by the bank is actually even allowed, and would it be classed as mis-selling? thanks in advance BB

HSBC letter advises me my small debt being passed to Marlin. (OK) Letter alswo says Marlin will set up direct debit from details passed to them by HSBC and I do not need to authorise it! Surely this is illegal and tantamount to fraud. I complained by phone and advised them they were not to divulge my Bank details. I have now also cancelled my direct debit to HSBC. Which bodies can I refer this practice to?

Can someone please advise the NEW address of hsbc card services?? (gold credit card) They apparently have moved from Chartwell Sq in Southend. To clarify - I wrote a letter, normal postage stamp, regarding an hsbc credit card - and it has been returned as "Gone Away". Yet every google search I do, says hsbc card services are at Chartwell Square. I need to re-send the letter. I rang India !! They advised sending the letter to Coventry. Wasn't sure if that was a joke...

Hi there. I have a court summons pending with MKDP. I have read through lots of threads on this site, which have been a great help and enabled me to get some way down the line. I would just like to consolidate where I’m currently at, as this part becomes somewhat vague in the existing threads. I would be very grateful for any advice on my next steps. Debt details: HSBC Bank: Loan Started: 2004 Defaulted: 2007 Random debit card payments made here and there up until 2012, so the debt is not statute barred, but no longer on my credit file. I can’t remember anything about the loan - PPI, other penalty charges - even the original amount! County Court Claim: Issue Date: 01 May 2014 +5 for Service: 05 May (actually received on 09 May) +14 to Acknowledge: 20 May +14 Extra: 02 June Amount Claimed: £2,005.00 Court Fee: £105.00 I have decided to defend, as I moved in 2010 and have only just been tracked down at my new address, so did not receive a NOA. I also have no idea how the claimed amount has be calculated. I should have received a response from MKDP before today (unless the +5 service is also applicable to them?), but I haven’t, as of yet. I’m becoming conscious of the increasingly tight time frame. More details below. Other Info: Claim Form received: 09 May (evening - slow postal service) Sent response (as per below): 12 May (both 1st Class recorded delivery and £1 postal order receipts filed) Signed by MKDP: 13 May Acknowledgment of Service: 19 May (online) Response: None (as of yet) Particulars of Claim: The Claimant claims the sum of £2,110 being monies due from the Defendant(s) to HSBC Bank plc under loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on 13/03/2013. Notice of assignment has been provided to the Defendant(s). The Defendant(s)’s loan account number was [emitted]. The Defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been served pursuant to the Consumer Credit Act 1974 by HSBC Bank plc. The Claimant claims the sum of £2,110 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. Response to MKDP: MKDP LLP Fleming House Seebeck Place Knowlhill Milton Keynes Buckinghamshire MK5 8FR 12th May 2014 Dear Sir/Madam Re:- County Court Claim No. [Emitted] With reference to the above County Court claim, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned. I understand a copy of the credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully [Emitted] Thank you for taking the time to read the above. If I’ve missed anything, please let me know. Any advice on how to proceed would be gratefully received.

t is ridiculous the amount of power Banks and Credit Agencies have over our lives. We have a joint account with Halifax and not used since 2010. I wrote a cheque that took me £4.71 over. I could not find my HSBC chequebook at the time. Now applying for mortgage I am shocked that for £4.71 reported by the Halifax as unpaid is stopping me getting anywhere near a mortgage application. Since it is a joint account it is the same for my wife. It has taken me a week to get documents together so that my account can be updated at the HSBC to prove I have cleared the £4.71. So as yet the HSBC underwriters will not move until my local branch updates the fact I have paid off the Halifax. Now before all you smug people out there who have OCD in sorting out every penny in their accounts and pockets advise me that I deserve my predicament for £4.71 in debt...get a F***** Life !!! I say the banks especially the ones where us tax payers had to write off £billions ( Halifax HBOS ) just get real and stop reporting such small sums that ruin our chances of getting a mortgage. There should be a minimum total amount that should be reported to these credit scoring agencies. also big banks like HSBC should have the information that they can see how small the debt is and stop acting like the bitch out of Little Britain who says 2 computer says No ". I mean where is the risk where someone has forgotten about an old account with £4.71 in debt!!! Stop then acting like Shylock and Scrooge. Where do we get the chance to report the old accounts our Granny opened for us in 1960 which lies somewhere with money still in it....It makes me want to start a riot !!!

hello this is my first post so please forgive any mistakes. i have recently defended a court action with mkdp for a old hsbc current account with overdraught that has ended up at 4800 pounds . the posision now is that mkdp didnt send a cca request but sent a letter saying it could take 8 weeks. the 33 days for them to respond to my court defence has passed. i presume this will now be stayed. sorry forgot to say my defence was that this account is statute barred. 7 years of no contact or payment by myself since cause of action. should i now send a n244 to ask it be struck out on the basis that this claiam is without merit. mkdp had put a default on my credit file in 09 which was 2 years after cause of action. but served nothing on me before the court claim. i would appreciate some advice as to whether i should leave alone and see what moves they make .i would prefer to kill it if poss but i am now stumped. thanyou in anticipation. chindit

Hey folks this is mainly for infomation, This is the second PPI claim I have done. Many years ago previously I had a graduate account and a large loan attached to it and was sucessfull in getting full refund of premiums paid PLUS interest and the remaining PPI removed from the loan. I have recently discovered evidence of PPI on my flexi loan from when I was a part time college student and before I took out the graduate Loan. (PS i was at college from 16-20 before some of you thin kI had a loan before I was 18) Details Below. Comments and Questions Welcome. -------------------------------------------------- 02/04/14 - Letter submitted requesting details of the flexiloan and all charges and information regarding it. Enclosed included the FOS PPI questionnaire completed, Copies of A statement for the flexiloan, A personal summary listing the flexiloan account number sort code etc, It also displayed the POLICY number. 14/04/14 - Letter Received saying they were unable to find the records I asked for from the details given. Requested I "Re Submit" the request with correct hsbc sort code and account number. 14/04/14 - Reply sent to HSBC enclosing the following copies, Original Letter of complaint, Their letter received this day (dated 04/04/14), Financial statements showing the flexiloan repayments, the financial statement showing the policy and loan. I also enclosed copies of additional flexiloan statements 09/10/03 to 08/12/03 and 09/12/03 - 08/03/04. Also enclosed 2 current account statements showing the flexiloan repayments and also charge for "Loan Insurance" In the letter I stated that my original request still stands and that this was NOT a resubmission. I also reminded them that they could get the information regarding the charges from the Loan insurance from my statements 25/04/14 - Letter dated 22/04/14 received from Ross Dear, Wealth Complaints Officer stating that my signature and address did not match and would not be able to investigate my complaint further until I proved my identity to them by going to a branch with ID and doing a sig change with proof of ID. I decided to humour them. (My HSBC account has previously been closed and along with my HSBC Credit card are being paid off £1 a month. Third parties and other inhouse agencies had been passed my current address by HSBC and had been happily to correspond and make arrangements to pay etc. Lady was a bit bemused. Filled out a signature thing and took copies of my id etc. Refused to give me any proof that I had been there and complied. Letter sent to HSBC same day. Stated that Under DPA/CCA I didn't need to supply signature. Added reference to my visit, named time date, branch etc. Challenged them on why they were asking for ID when Metropoliton Collection Services, a member of HSBC Group had been happy to correspond and make arrangements etc with me. I also enclosed copy of Council tax Bill and passport copy. Letter also told them I was getting Frustrated with HSBC continuing to use Various delaying tactics to avoid resolving my complaint and that I was sticking to the original timescales laid out in my complaint dated 02/04 which meant 8 weeks to resolve my complaint and 40 days for the information requested. Failure to comply would result in me referring my complaint to FCA and ICO So I expect to have the information by 14/05 and the complaint times out 30/05 Tick Tock Goes the Clock

My partner has a graduate loan and credit card with hsbc. The guy at the time said he'd 'sort out' the fact that he didn't work full time. Boxes were ticked by the guy after he left the bank. There was also some ppi. My fiance has written to them several times regarding the ppi and their response has always been that they have thwarted wrong signature on file and can he go into his local branch and sign something and get them to take photocopies of Id. He's done this 3 times. We sent a sar to them a few weeks ago after reading the info on this site. They've replied with a letter that salsas he has not signed the request and a signature is needed to confirm his identity they have enclosed an application form for him to complete. The letter we sent did have his account details and his name and address. They've also sent to postal order back because it needs to say hsbc bank plc in the payee field rather than ***. I read on here somewhere that it's ok to not have a name know the payee box. What shall we do now? Hsbc have been stalling for over 6 months and it's getting really frustrating!

Hi New poster so be gentle..... I recently signed up for Noddle to keep an eye on my Credit File as I reach the end of my DMP. Subsequently I noticed that there is a Default on my file for a HSBC Credit card that was part of my DMP -- dated 2012. I set up my DMP in 2005 and I am due to finish in December this year having paid in over £50,000!! So, as you can imagine, I am not happy about this default as it won't drop off until 2018 despite being accepted into a DMP 9 years ago! A little bit of history: - DMP set up in Nov 2005, all creditors accepted offers including HSBC for this account. - HSBC transferred this account to Moorcroft in 25/4/2006. - Moorcroft transferrred this back to HSBC 11/1/2013, administered by Metropolitan Collection Services. - The account is showing on my Credit File on Equifax as Satisfied on 31/8/2012 and no other payment info - The account isn't on my Experian file at all!! - The account shows on Callcredit/Noddle with no payment info apart from the account showing as Satisfied and also a Default, both dated 31/8/2012! I have no idea why HSBC decided to resurrect this account on the CRAs and why they decided to register this default. Here comes the Questions: Could this be a mistake? - How do I check? Are HSBC allowed to register a default without informing me - particularly 7 years after it was originally defaulted and included in a DMP. I haven't received/seen any communication relating to this. What are the initial steps to get this removed as I think having worked my @rse off for 9 years to clear my DMP that I would come out the other side with a reasonable credit file! Any advice really appreciated? Thanks MJSWIFT

Hi all, Need some advice please. I have just switched my bank account from HSBC to Halifax using the 7 day bank account switch which is backed by the government. On the final day of the switch my car insurance went out of my old hsbc account and not the Halifax account like it should have. After taking to halifax and elephant i was told that if it wasnt taken when it should have been then they will just replay and do it 7 days later. I didn't think nothing more of it, account moved and Hsbc closed. I got a letter on 24th March from hsbc £68.68 had been taken out of the account and that it needed paying. So on the 26th March i rang them up, paid it and was told my account would now be closed. I got a statement today out of the blue showing that hsbc have added £25.10 in charges to the account, so i rang them explained everything and they have point blank refused to close the account and will not remove the Charge that they have put on. Can anyone advise me on what the best course of action would be please,

Hi. Many years ago, well since 2006 to 2010 ish me and my wife was in difficulty at times and we had DD's on her account with HSBC, on a regular basis we were charged for returned Direct Debits, I think at one time there ere 3 returned this went on for a while and was wondering if its possible to claim these type of charges back. And OD Arrangement fee's, are these reclaim able

Need some help on this one as I have done lots of searching and can not find a case that is similar to mine so would appreciate some guidance. Brief Summary: 29/04/2011 - I defaulted on a HSBC Current account overdraught with an outstanding balance of £1780.09 (which was mostly my own debt and not made up of charges/interest) 16/04/2012 - after being pursued for the debt for months (with no acknowledgement from myself) I was offered a reduced settlement figure of £1,068.05 (60% of original balance) from Westcot Credit Services LTD at which point I decided I had enough of burying my head in the sand and I coughed up and paid via their website in full. This payment is the only contact I have had with any DC at all. 29/01/2013 - I start receiving letters from MKDP/Raven/Compello demanding payment for £712.04 which just so happens to be the difference between the original balance and the reduced settlement figure. I ignore these letters because I believed they were just trying to spoof me into paying more money. As far as I am concerned I have acknowledged the debt (with Westcot) and paid in full and final settlement to close the account. The Default on my CR also changed from HSBC to MKDP a few months after this. 16/04/2014 - To my horror a Claim From from Northhampton CCBC landed on my door step the morning claiming payment of £712.04 + £55 costs. The claim form is dated 11/04/2014 I intend to dispute the whole claim on the basis that I have already settled this debt with a previous claimant and they are essentially, and wrongfully pursuing a debt that does not exist and that they have no claim to. The main issue I have is that due to a recent house move I no longer have any of the letters from Westcot or MKDP etc. In particular I can't find the original letter offering the reduced settlement offer from Westcot. I do have receipt for the payment however. I also need help in wording a suitable defence, taking into account the above as I have no idea where to start. Your help is very much appreciated.

Afternoon, Back in 1999 I purchased two items, a TV & a Hifi (on separate occasions) from Dixons on higher purchase over 48 months, on each loan. At the time I was a student with a job, and I wasn't informed about PPI being applied to the loan. It only came to my knowledge recently when rummaging through old paperwork, whilst clearing out my old room at my parents house. I have the account number for the TV loan (taken from a payment book) but nothing else. For the Hifi I have the account number, the credit agreement with amounts and printed on X in the Credit Protection Insurance section. The loan details for the Hifi are such: Sony Hifi £169.97 1+3 yr (I suspect this is the insurance) £75.00 Total cash price £ 244.97 Less deposit paid £ 30.00 Credit Amount £ 214.97 Interest Rate* 2.06% per month APR* 27.7% Anticipated number of monthly repayments 48 Amount of monthly repayments £ 7.87 The loans were underwritten by HFC The TV I think was around the same price, but without any actual amounts I'm unsure. On both of these accounts I do recall getting behind on my repayments later on into the loan, and gaining a lot of bank charges, to the point that I had to loan money from my parents at the time to both clear the charges and the loans. I've never tried to get these charges back as I didn't think I had the documents with it being so long ago. My really after some guidance as I not sure how to proceed with reclaiming both the PPI and the charges. I did recently do a SAR request using the account number for the TV loan however HSBC wrote back to me saying that they now service HFC accounts and they have been unsuccessful in their search to locate my account, using the information I have given them (account number, my name, & my old address). They have asked for: personal information - Previous address history and date of birth. legal agreement to confirm the account information bank statements to show the account had the benefit of Payment Protection Insurance, including proof of any early settlement payments. They have also said that they have destroyed the cheque for £10 that I sent to them. I am thinking of starting from scratch as I haven't sent a request for the Hifi loan and I have thought that it would be easier to start the TV loan request again along with the Hifi so that the dates will tally. Could someone point me in the correct direction, as I've been reading a lot of posts on here and several other website & forums and I seem to be getting lost in how to go about gaining both the information relating to the accounts & their charges and if I receive that information how then to proceed with reclaiming the PPI & the charges. Family & friends has advised passing it all over to a PPI company, however I would only like to do this as a last resort, as it would feel like a bit of a defeat. I have reclaimed bank charges in the past for family and some for myself but from what I've read the whole procedure has changed since 2007 when I did it for them. Thank you for your time, and I'm very sorry for the length of this post I just wished to give as much information as possible. Again thank you

Hi all. Ive suddenly had calls from Scottcall,about 1 a day for a debt with hSBC form 2006. £462.00 This debt has never appeared on my credit file and last payments were made in the end of 2006. I guess they are trying there luck as i imagine they have recently brought the debt. Can anyone tell me the procedure to go through to tell them toprove or stop calling? Kind regards Chris

Hi all, I have a general query but first a little background. I banked with HSBC bank from 2002 to march 2011. finances were very tight and Towards the end of my time with HSBC roughly 2009 I went overdrawn and incurred a charge, not having enough available funds to cover this charge meant the following month I incurred another charged, This escalated and ended up with me having paid HSBC bank over £3000 in charges in little over a year. in March 2011 I decided enough was enough as I was now over £1000 overdrawn (made up of charges), I asked that they close the account and pass the debt onto a debt company. By the end of April 2011 I began paying the debt company a little over £45 a month and paid off all that was owed in April 2013. I have just got my credit report for the first time, Everything is perfect on it. Any credit I have gotten has been paid in full and everything says satisfactory and settled. Everything except the HSBC Debt, Which is showing as "Defaulted" and "Satisfied". Its also showing that I defaulted every month between April 2011 and March 2013. I would have thought that seeing as I made every payment to the debt company in full and on time I would have been ok. I fully expected there to be a default with HSBC but I expected it to be dated 2011 which would have cleared it from my report in 2017 but It is showing as default in February 2013 which means I will have to wait until almost 2020 before it clears my account. is this correct?, I thought the default date would be when it was passed to the debt company.

Hello all, This is my first post here, I have been reading through several threads and am delighted to see the overwhelming support and guidance this forum offers, I would be truly grateful if some of you would take the time to help me with my situation. I was a victim of identity theft in 2006, this is not disputed by either HSBC, the police or myself. I've never had a credit card, yet in 2006 someone was able to take one out in my name, with my own bank (HSBC). I was called by HSBC in 2006, they asked me to pay off the debt owed on "my" credit card, I told them I've never had a credit card, they said they think it is identity theft / fraud, the police gave a crime reference number and I was assured by HSBC that I would not have to pay a penny of the amount owed and that it would not effect my credit rating in anyway. All of this took place within a matter of days and all on the telephone. HSBC apologised for the situation and reassured me that I had nothing to worry about. I stupidly trusted them and thought nothing of it. Fast forward a few years - 2009. I was consistently being turned down for credit in every shape you could imagine. I couldn't get simple things like a mobile phone, laptop, car, tools for work, credit cards, any form of credit I was denied. I didn't understand, I'd never really borrowed money before (only student overdraft), my friends were able to get mobile phones and some of them didn't even have a job! I was working in a business development role at the time and could more than afford the credit I was requesting. I decided to contact HSBC in branch (2009) to ask if they knew why I apparently wasn't trustworthy enough for credit (HSBC deny this, they think that I haven't asked them about my credit rating in over 7 years, ridiculous). In branch the HSBC advisor literally put her arms up in the air and said something along the lines of, "Oh dear, I'm so sorry, the fraud incident in 2006 has not been cleared from your name and has been negatively impacting your credit score, we will rectify this asap." I should have created a scene there and then but instead I agreed to allow them to correct it and not create a fuss. By this point I had put my credit facility needs in family members names and friends names, it put an immense amount of pressure on my family and friends and made basic life unnecessarily difficult. I probably should have gone straight to market and taken out a form of credit, just to check if they corrected it, but instead I stupidly accepted what they had to say. Looking back at this, at no point during these telephone calls or face to face meetings in branch did HSBC advise or even mention that I could complain (let alone tell me they existed) to the FOS or at least independently check my credit score at a later date using a credit agency. I was in my early 20s and had limited knowledge about financial services and banking regulations and at the end of the day, I stupidly thought I could trust the bank that I'd been with since I was 10 years old. Fast forward a few years again - 2013. I'm still getting turned down for credit. I'm confident that it is nothing to do with HSBC as they have on several occasions promised me the situation would be / had been sorted. I go to get a credit report and guess what, my credit file in November 2013 stated that I am currently and have been defaulting on a credit card with HSBC since 2006. I was stunned. I called HSBC again and immediately arranged to visit in branch. They first of all had the cheek to say that I must have misunderstood my credit report, I emailed them my credit report and they realised it was crystal clear that it was their mistake. The HSBC advisor in branch informed me about the FOS, for the first time. By December 2013 HSBC told me my credit score had been restored (this isn't the case, will explain later). I checked my credit score with Experian again and on the surface it did seem that they had rectified it. My credit score overnight jumped up by nearly 600 points to a new total score of around 900 points!! The difference between a poor credit score and a good credit score, the difference between being lent money and not being lent money. I contacted the FOS and they initiated a complaint against HSBC. HSBC wrote to me and admitted in black and white that it was their error and that I should quantify the damages so they could form a compensation package. I didn't know where to even start with this. I wrote them a letter explaining how unknowingly to me they have manipulated and negatively impacted my reputation, career, relationships, psyche, life at the same time as stripping me of any opportunities to engage in any form of borrowing / credit, which in our society, in my opinion, is pretty much paralysing someone. HSBC have stopped me from buying a property with my partner, she went ahead and got a flat on her own. They have stopped me from setting up my business, forcing me to take any work available. They have forced me into rented accommodation and at times made it very challenging to agree on contracts for rented accommodation and even on two occasions I was turned away for a flat in London because they carried out a credit report, the estate agent would not tell me specifics, just that they had run a credit check and it had shown bad results. I have also discovered that I had work / client proposals rejected whilst abroad because of them checking my trustworthiness through credit reports and again the report portraying me as untrustworthy. The list goes on and on and on, I'm overwhelmed, HSBC have silently turned my life inside out, unjustifiably punished me, all in error, and all after being asked to rectify the situation several times and all after assuring me there was nothing to worry about, several times. It's almost too much to mentally process. Related but a slight side note, whilst travelling in India and the Middle East, I accidentally went over my overdraft limit and without informing me HSBC suspended my account and blocked my online Internet banking access. Admittedly I was travelling (my transactions in india may have hinted at this?) but surely they could have used my registered email? The email registered to my Internet banking account perhaps? I tried to engage in credit facilities online to pay off the amount but of course , no one was prepared to give me credit, I wonder why? When I returned to the UK I cleared all the charges in full and restored my HSBC current account to a clean state. If I remember correctly I paid them nearly £1800 in charges, fines and monies owed, I had been out of the country for nearly 18 months. The joke is HSBC offered me £100 compensation for the "stress" caused. Last week Sainsbury's gave my partner and I £30 compensation because our online shopping didn't arrive on time, quite rightly so, and yes we will be using them again. I called the manager of resolutions at HSBC and spoke with him on the phone, after several phone calls they up'd their offer to £1000. In my eyes this is still a joke. What do you think? If you've got this far, thank you so much for reading. I have just received their final written response offering a grand and asking me to sign to show agreement. I don't know what to do and I was hoping you may be able to give me some kind of advice or suggest what my next move should be. I'm going to go back to the FOS with the written response but to be honest I feel like I should just be taking them to court? I need help quantifying the damages and I honestly can't afford to pay a lawyer or accountant to work for me. I'm 27 years old and earn about 16/17k annually as a freelancer, not enough to pay £200 +vat per hour for someone to listen to my story and then tell me that I need to pay more in order for them to do anything about it. I would truly be grateful for some pointers, don't know where to turn and it's really getting to me. I have recently checked my credit report, last week, on checkmyfile.com and my scores are still bad, it still implies that I am untrustworthy and clearly says that i have historically defaulted on credit card payments, indicated by a red number 4 (worst kind) next to the sole credit card with HSBC's name next to it. Surely the credit card shouldn't even be associated with my name, especially on information accessible by lenders, employers etc? Surely HSBC should also clear the one time I did default with my overdraft as they paralysed me from being able to pay it off through other means of credit? Any ideas? I've started building a documented case against HSBC, I am gathering all the information I can find, I have been contacting previous clients, who are now aware that I am trustworthy as I can prove to them my reputation was listed as bad in error, one client has already offered to write a statement and stand as a witness if required. Again, thanks for reading. Look forward to hopefully hearing from you. All the best

Hi My wife and I had a joint HSBC bank account together up to 17th March. We are separating and wanted to have our own separate bank accounts, HSBC seemed the easiest route to take. I initially went in to see them on a Monday and asked to open a new account, this was done. They also froze the joint account (with about £400 in there) until we could go in together to see them. Here's what I don't understand and where I think that HSBC staff basically lied to us, but I don't know the rules. The clerk who was dealing with the accounts said that because we'd come in and told them that we were separating it would be illegal for them (not HSBC rules but FSA rules) to keep the joint account open. The problem that this caused was the Direct Debits I then had to transfer from the old joint account to my new (and empty of cash) account were returned. All of a sudden I get three letters more or less within a day of each other from HSBC that they are closing my new account because of 3 returned DDs. Did HSBC lie to us that they MUST close a joint account when they've been informed that the couple are separating? To say I'm furious at how they've treated me when I've been a decent customer (paying for their Premier account when it was a joint account) for the last 7 years or so.

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!

Hello I took a complaint to the Ombudsman about HSBC's overdraft charges and ended up getting around £350 back...all of which has ironically all been added back on in interest since my financial position hasn't improved since the FO payment. My overdraft is at £1800ish and my limit is £1750. I've not heard much from them, no chasing or anything until a text message yesterday asking me to call them. Cheeky. When I got the refund through the FO it stated they were also refunding £130 for my credit card fee's (something along those lines) This shocked me as although I was given a HSBC c/c many years ago I never used it. In fact they cancelled it because I never used it. When I called HSBC I spoke to a random customer service person who said there was no info about a credit card. What should I do in this case? Why would they refund for something I never had? Could my card have been copied? As for the overdraft, I changed bank accounts a year ago, the only way its increasing is because of the interest. I can't afford to pay anything off it. Should I send a I&E form to prove this and see what they say? Thanks, and sorry for babbling

Hi, I took out a HSBC Business Protection Plan when I took out a business loan. I now believe it was mis-sold as I was told it was compulsory and they wouldn't give me the loan without it. I'm hoping this is the same as PPI? and I am able to reclaim. Would really appreciate it if anyone knows of this product to let me know. I'm one half of a partnership, not limited, and we both had to take a policy in order to get the loan. Your help would be much appreciated.

Hi all, I had two loans over the years with HSBC and I'm pretty sure I had PPI on one of them (I was self-employed so there was no way I could have claimed on the policy anyway I have since found out). First off, as both loans were over 6 years ago, can I still make a PPI claim with HSBC, and secondly there is a dispute over an old HSBC credit card, that apparently was defaulted on and is currently subject to ongoing CCJ claim that has been filed by MKDP who allegedly took over the debt. Would that affect any PPI claim for the loans? Many thanks.