Wrong Markers on Credit file by HSBC - **RESOLVED**

[Matt.]

I am currently a full time mature student (37 yo) and had spent around 90% of my overdraft from my spare account however had not paid into for sometime.

 

I was then called by a representative at a HSBC call centre who requested payment in full.

 

 

At this time I stated that it was not possible as I was not in full tme employment as I was currently a student

and stated that I could pay x amount and the account would be cleared by the end of July.

 

 

This was carried out before the end of July and is now even in credit.

The account is still open and gives me access to take cash out.

 

I asked on several occasions during various calls would this arrangement have any adverse effect on my credit file.

I was told NO on every occasion unless I did not pay it and it was passed on to debt collectors.

 

You can imagine my horror when I have logged onto my credit file to see that I have an "AR" on my credit file since May 2015

which has now adversely affected my credit file and will do for the next 6 years.

 

I spent 6 years repairing my credit file after an ex partner ruined it for me and had a near perfect credit file until one of there representative misadvised me on the phone.

 

I am very unhappy at this situation as I have been misadvised and if there was any risk to my credit file I would of paid the overdraft off immediately.

 

I have sent a complaint email into HSBC

- what are my chances of having the AR removed ?

 

 

I was about to get a joint account with my wife but am now holding off because of this.

[dx100uk]

so there is no default registered either?

 

 

dx

[citizenB]

They don't have to register a default if there is an arrangement to pay - they just need to show the way in which the account is being run. In this case, with an arrangement to pay.

 

Not good news at all.

[Matt.]

No default. Account is still open with me able to take money out of.

 

Shows AR for 2 months on credit file and is now in green.

 

My annoyance is that I have been lied to by a person thousands of miles away who has no idea of the problems they have caused. There would of been no AR if she had told me the truth as I woulld of found the money and paid it off immediateky.

 

60 days of an arrangement for 6 years of credit issues. Hardly seems fair

[Conniff]

I can see your reason Matt. I don't know but banks seem to get great delight in ruining people when there is no need. Now they can't fix Libor, do they get a bonus for every credit file they mess up.

[fkofilee]

Email;

 

[email protected]

[email protected]

[email protected]

 

Tell them you are unhappy... Watch them squirm...

They will respond PDQ! and I feel that you could get it removed!

Failure to that, go to the FOS. They must have the call recordings...

[Matt.]

Good result from this one, hsbc listened to the call and noted that the advisor was in the wrong, will adjust my credit file and compensated me £30

[citizenB]

Excellent news, keep an eye on your credit file to ensure that the adverse reporting is removed

[fkofilee]

Good Result...

 

Was this from emailing the MD?