defaults on credit file

[triedtobefair]

Hi all,

 

just a quick question (i hope i'm posting in the correct place).

 

I had a loan with hsbc which defaulted in 2006. The loan was then passed to metropolitan and then to CL finance and i currently have a payment arrangement with them. My question is, since the loan defaulted in 2006 and hsbc registered a default at that time, can cl finance also make entries on my credit file for the same debt.

 

thanks in advance for your help.

[BRIGADIER2JCS]

Yes they can BUT they cannot register a new default

or change the original default date.

[triedtobefair]

Yes they can BUT they cannot register a new default

or change the original default date.

 

ok thats fine. They have been registering the payment arrangement just wanted to be clear on what they were allowed to do.

 

thank you for your help

[dx100uk]

anything to reclaim?

 

PENALTY charges

 

PPI?

 

dx

[triedtobefair]

anything to reclaim?

 

PENALTY charges

 

PPI?

 

dx

Hi dx00uk

 

I successfully claimed back ppi from 2004-2006. However, the account was running from 1998 but they would not go back any further. I had no evidence so I accepted their offer but changed the offer letter to reflect that I was only accepting settlement for this period before signing. I tried to get them to accept that the account went further back by sending them a copy of my credit file showing the account opening date but they wouldn't budge so my claim is currently in the long queue for the ombudsman:|

 

It may come to nothing but at least I'll know i tried eh.