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HSBCandMe

Equifax and HBOS - +6yrs defaulted but still showing *** Marker Removed***

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Posted (edited)

HBOS Defaulted a loan in 2006. It dropped off my credit files in 2012.

 

They have now sold the debt to a DCA and HBOS have recently re-posted my credit file at Equifax wit the same loan, now marked as settled.

 

My understanding is that the account should have dropped off my credit files forever 6 years after the 2006 Default, whether settled with HBOS or not.

 

Equifax are ignoring my complaint to them. I even have copy letters from Equifax and copies of my old credit file showing the 2006 Default.

 

Where do I go from here?  Any ideas? 

 

 

 

Edited by HSBCandMe

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Well what you are telling us here is pretty extraordinary behaviour by HBOS. I suggest that you begin by sending them an SAR. I think that this needs very careful verification.


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I have an old SAR. It defaulted in 2006.

 

I do not have a copy of the Default Notice any longer but their SAR refers to the default date and lots of historic credit files I have kept. 

 

Surely my complaint is against Equifax as they handled by complaint several years ago when I fought to have the Default recorded (so that it would drop off after 6 years).

 

Why extraordinary by HBOS?

PS: It is HBOS branded as AA. If that helps.

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You will need to send a new SAR. You say that the debt has recently been sold by HBOS and it is they who have recently posted your file to Equifax. Send them a new SAR. You will need to gather good information in order to deal with this.

HBOS are more likely to be liable here if they really have done this – and also, they are much easier to attack.


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48 minutes ago, fkofilee said:

BTW Equifax is now free to get your Stat Credit report. Go online and grab it now FOC :)

Compare and use as evidence :)

Yes, I have a large amount of past and current CRFs to use.

 

I have a vague recollection that I complained to the FOS about the absence of the Default and they ordered HBOS to post it.  I will have to look up my papers / check old emails.

 

I wills end a new SAR to HBOS.

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Which DCA has the debt been assigned to ? Is it appearing under HBOS or the DCAs name on  Equifax  ?

 

Andy


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10 minutes ago, Andyorch said:

Which DCA has the debt been assigned to ? Is it appearing under HBOS or the DCAs name on  Equifax  ?

 

Andy

It appears as AA loan (so HBOS) and is marked Settled.  It was sold by HBOS to Cabot . 

 

The SAR I got a few years ago from HBOS has a screen shot stating they sent out a Default, but that's all I have (that, and years' worth of screenshots and print outs etc showing the defaulted account on  my credit files).

 

The concern is that Cabot will add their account unless something is done about the AA settled one.

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If/when Cabot do update the CRAs it will simply replace the AA entry under Cabots name....double entries are irrelevant as its the same agreement /debt but it shouldn't be entered at all as its passed its sixth anniversary.

 

First port of call is to register a notice of corrections with the CRAs and then inform either HBOS/Cabot to shift it as its over six years....settled or not its irrelevant. 


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I see this more as Equifax's responsibility?  I have sent them copies of their own credit files from years ago, surely they can and should supress it?

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They cant without the creditors authority....they can add a notice of correction..but not remove it.

 

Shouldn't be difficult..just because the debt was assigned is not reason to re register it on the CRA,s again ..you have proof it was defaulted in 2006 (The DSAR confirms this date ?)  and it dropped off credit files in 2012 .


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Posted (edited)

I have is a screen shot from the DSAR, not the Default letter itself which I suppose is the ultimate proof. But I do have the copy CRFs.

 

When I went on a CCCS plan AA automatically defaulted me.

Edited by HSBCandMe

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thread title updated.


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Yes, they took it off my credit file. But, I complained to and about EQUIFAX, and they unilaterally took it off when I sent them proof.

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Thanks....I thought you were referring to an attachment or editing your post.....thanks for the short conclusion :rolleyes:


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