Hsbc being complete mongtards

Hahadumball · World Chat Champion Joined: 07 Oct 2015 Karma :

follow on from my credit score shit.

short:

account switchover from hsbc to nationwide.

hsbc said account closed all complete
wasnt closed
added interest charges to nothing
£54 overdrawn
months arguing to remove it and close account
£43 was removed left £11 then added interest to it...

9 months later cleared to £0.00 and closed account agreed to remove the negative off my credit score

didnt remove it
weeks of calling i got told by hsbc to contact equifax
contacted equifax who didnt get a reply after 21 days so removed it temporarily in case hsbc reply.

hsbc replied saying i must contact them and equifax put it back on my score

hsbc are saying i must go to equifax.. and also said an investigation was launced by hsbc in september, the 4th "investigation" they have had to do over this now and all i get is "were sorry it was our mistake" and that it should be removed from my credit score but they refuse to agree with equifax that it should be removed and equifax wont remove it unless hsbc say so..

what do bcf?
been reported to ombudsman and heard nothing back since

how shall i go about billing them for the cost of all the calls? can i bill them for the time ive spent dealing with this?

spent a little over 6 hours on the phone in total since july and this has been going on since december
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Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015

M.C · Super Spammer Joined: 29 Sep 2015 Karma :

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Here's how it works.

You complain to HSBC. They have 8 weeks to resolve to your sanctification or they issue a deadlock letter.
After that it goes to FOS. Who will rule and decide on any payout.

Point to note, that it costs over £500 to go to FOS, so that should help you think up a figure Wink

Did you rise a complaint before? Because this would be a reopening of the same complaint.
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Just because my bike was A DIVVY, does not mean i am......

Hahadumball · World Chat Champion Joined: 07 Oct 2015 Karma :

i filled a complaint with fos about 2 months ago after i was messed around and lied to multiple times.

ive made multiple complaints to them and the last resolution i received was that it was their mistake and it will be removed, i was told a new complaint was raised last week so... fobbing me off more for no result, equifax have raised the dispute again in the hope hsbc actually do something.
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Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015

Minty · World Chat Champion Joined: 23 Dec 2005 Karma :

So ring FOS and ask for update.
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M.C · Super Spammer Joined: 29 Sep 2015 Karma :

james1988 · World Chat Champion Joined: 06 May 2010 Karma :

I'm on my phone so excuse any shit punctuation etc...

First of all, before you can go to the FOS you have to follow HSBC's complaints procedure so do that first.

Secondly, what was the interest charged on? It appears odd that £43 was removed leaving £11, that suggests to me that there was an outstanding balance somewhere but you know the facts and I don't.

What are you trying to get Equifax to remove? Late payment markers? Change the settlement date or something else?

I can't imagine HSBC will remove the arrears status if there was an outstanding balance at the time the arrears were reported because what they've given Equifax is a statement of fact. Equifax won't know what HSBC's arrears reporting strategy is so they can't tell you that it should be removed.

Just a point to note, unless HSBC contact Equifax and ask them to remove it immediately your credit file won't be updated until the next time HSBC report that I suspect is at the beginning of the month.

James

Edit
Was the complaint upheld by FoS? Given the outcome from the HSBC side of things it would suggest that they (HSBC) didn't uphold the complaint otherwise you wouldn't have got as far as the FOS.
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Honda XL1000VA '07

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Hahadumball · World Chat Champion Joined: 07 Oct 2015 Karma :

james1988 · World Chat Champion Joined: 06 May 2010 Karma :

The glaring point there is that it says they will close your account but you still remain liable for the amount.
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Honda XL1000VA '07