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Manual Final Chargeoff ?????????????


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I have received my first statement from HSBC in almost 3 years.

They defaulted me back in 2004 and things have stayed that way ever since.

I became curious a few months back and wondered if most of the debt I owed had been made up of charges, so I wrote to them and requested records.

Anyway, blah, blah, after months of back and forth sending this letter, that letter, they finally sent me records of all my transactions but after closer inspection, I couldn't find many charges which I found strange.

I left it like that, thinking I had woken a sleeping giant and quietly left town!

Anyway, (skip to the end) at the back end of April I received a statement and all it contains are an 'accounts summary' which reads something like this:


Opening Balance 877.97

Debits 0.00

Credits 877.97

New Balance 0.00

Your Credit Limit 0.00


There's also a 'transaction details':


Received by us Transaction date Details Amount

17 Apr 07 13 Apr 07 MANUAL FINAL CHARGEOFF 877.97CR



Now, initially, I interpreted this statement as if all charges and money owed had been dropped and that maybe they were just sick and tired of another consumeractiongroup wannabe booking a court dance before learning how to walk, therefore they just saved the hassle and wrote it off.

Though, having checked one of those 'check your credit for FREE , just pay £1.77 to see it now' sites today, I noticed that the default and amount is still showing.

Can anyone show me the light?




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2004 the default was placed.

I'd have to dig it all up again, although I couldn't find many bank charges if I remember rightly.

That did strike me as odd though.

However, if the debt has been wiped clean, then isn't that almost as if HSBC have admitted that they were wrong in the first place?

They haven't pursued me and it's for almost £900!

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