Hsbc credit card default notice need removing, mortgage doubled!

sharpy2010

fryman wrote: »

Hi Experian,

I was out the country and my card was taken and used fraudulently, it is a single account and in my name, are you saying that if I prove that during the most of the transactions I was out the country and could not have been possible for me to make the transactions, Experian will accept this and remove the default from my file?

Are you actually listening to ANY of the advice thats been given to you so far?

fryman

Yes am reading this, am a little simple so please excuse me. what are are you trying to say,,,,

fryman

On my credit file its shows a Default Date of 05/1/10

The default letter I found:
Dated 14/01/10

THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974,

later on in the letter it says I can remedy the breach by paying the amount by 31 January 2010

Also found a letter Dated:

10 May 2010

FINAL DEMAND

Stating I have 14 days from the date of the letter to repay in full or make a proposal.

and if fail to comply debt collectors will be instructed and default details passed to CRA's



Also Letter Dated

10 June 2010

That my account has been passed onto a DCA

and additionally as a defaulting debtor details have been passed to CRA's

What am getting at is that before all these letters by default was registered against me.

Can I have this default removed

fryman

Found some more interesting information:

My credit Card Statements:

Nov 2009 shows that that I paid the minimum payment and was fine
Dec 2009 has a late payment charge on it ( first payment missed)
Jan 2010 has payment request for this month and for Dec 2009 payment
Feb 2010 request payment for ( dec, Jan and feb)

Default date on my credit report is 05/01/10
When I had only missed Dec 2009 payment,

Is this correct?

meer53

fryman wrote: »

Found some more interesting information:

My credit Card Statements:

Nov 2009 shows that that I paid the minimum payment and was fine
Dec 2009 has a late payment charge on it ( first payment missed)
Jan 2010 has payment request for this month and for Dec 2009 payment
Feb 2010 request payment for ( dec, Jan and feb)

Default date on my credit report is 05/01/10
When I had only missed Dec 2009 payment,

Is this correct?

Yes.

You won't be able to get the default removed.

Try not to ignore things in future, it's really isn't a good idea.

vuvuzela

fryman wrote: »

On my credit file its shows a Default Date of 05/1/10

The default letter I found:
Dated 14/01/10

THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974,

later on in the letter it says I can remedy the breach by paying the amount by 31 January 2010

Also found a letter Dated:

10 May 2010

FINAL DEMAND

Stating I have 14 days from the date of the letter to repay in full or make a proposal.

and if fail to comply debt collectors will be instructed and default details passed to CRA's



Also Letter Dated

10 June 2010

That my account has been passed onto a DCA

and additionally as a defaulting debtor details have been passed to CRA's

What am getting at is that before all these letters by default was registered against me.

Can I have this default removed

No, you can't have it removed, as it was rightfully placed. Unfortunately you're learning about the harsh realities of ignoring letters from financial institutions.

_Andy_

fryman wrote: »

Can I have this default removed

You've already had an answer to that question.

dalesrider

fryman wrote: »

Hi Experian,

I was out the country and my card was taken and used fraudulently, it is a single account and in my name, are you saying that if I prove that during the most of the transactions I was out the country and could not have been possible for me to make the transactions, Experian will accept this and remove the default from my file?

Why could you not prove that at the time?
Clearly with this amount of money and you knowing who had done it. You will have been advised to report to the police and be prepared to press charges.
Can we take it that these transactions were also made with the PIN?

For you to have been held liable on a credit card HSBC must have been 100% certain you were grossly negligent in the handling/safe storage of the card and pin.

If you could not prove it at the time. How can you prove it now. If you can prove it you could go back to HSBC with this info. Although you maybe facing a uphill battle given how you failed to talk to them in the first instance.