HSBC Credit Card

[BRIGADIER2JCS]

Is the 22/04/2010 entry showing date updated and the original default date of 30/11/2009? If not must make a Formal Complaint to the Data Controller at Marlin, the default date CAN NOT be changed from the original!!

[BRIGADIER2JCS]

Hi, Absolutely NOT there can only be one default date on any debt, therefore it would seem that Marlin have deliberately manipulated the date, probably by claiming that they can enter a new date from the day they acquire the account which is of course totally wrong.

Send the following to The Data Controller at Marlin.

 

Ref: use theirs

 

COMPLAINT: Manipulation of Default Data.

 

Sir/Madam,

 

I have had cause to check my credit reference files held by xxxxxxxxxx credit reference agency and have found that Marlin is causing inaccurate data to be displayed on these files.

 

I have attached screen print copies of the offending entry for clarification.

 

As you will see Marlin have placed a default dated 22/04/2010 which is NOT correct the true default was placed by HSBC on 13/11/2009. I am aware that some debt purchasers claim that they can place a new default on an account from the date that the debt is acquired, so as to achieve a longer default 'life' thus disadvantaging the alleged debtor, this process is of course totally wrong and is manipulation of the data.

 

I now require that Marlin amends the offending entries ON ALL credit reference files to which the manipulated data has been reported with immediate effect and to confirm in writing that it has done so.

 

Marlin will also arrange to have the original creditors entries removed as well.

 

A complaint is being forwarded to the ICO and the OFT/FCA in regard to Marlins conduct in this matter.

 

Marlins response is required within 7 working days.

 

Send by recorded signed for mail, check when they receive

[BRIGADIER2JCS]

Ok Ruby, please keep us up to speed on the progress.

[BRIGADIER2JCS]

Been a while again got surprise on my doorstep from Marlin Financial Services with a copy of my reconstitued agreement as HSBC Bank have been unable to supple the original. It's a 'reconstitued agreement' which means it doesn't have my signature, there's no payment terms and it has has my address from 3 years ago (when i took the credit card, I lived at a completely different address) writen with a pen. Will add a scan later, but in the meantime - what should I tell them ? Been out of the game for a while now

Hi, Well that recon fails at the first hurdle it Must have your address as at the date the agreement was signed.

 

 

All you do is reply that the recon is rejected as it does not comply with the requirements laid down for a reconstituted agreement.

 

 

DO NOT tell them why it does not comply.

[BRIGADIER2JCS]

What if they send me the same stuff with a correct address ?

If that bit is wrong most likely the rest is!

A recon agreement Must Have,

 

 

Your name and address at the inception of the agreement and the Creditors Name and address at inception.

 

 

All the Ts & Cs at inception and closure of the account.

Any material amendments to the Ts & Cs during the life of the agreement.

Any documents mentioned in the agreement.

A current (not historical) statement of the account.

 

 

Any part wrong or missing means the recon does not comply.

You have spotted 1 error so you just reply that the recon is of no merit.