Credit Card Vanished - Online Banking

kc7020

Hello folks, here's the story

Last year I applied and successfully received a credit card from HBoS with a £1,000 limit. I maxed this out, left the country and headed to Australia. I recently checked my UK online banking account and the credit card account was gone. Phoned the credit card team at HBoS and there's no record of the credit card in my name/address etc.

So I ran a credit report and there is no negative credit in my name being reported.

I'm understandably slightly worried because I want to, and have the cash to pay it off, however it appears to have vanished and I do not want it to potentially reappear despite making efforts to track it down and pay it off.

Any ideas folks, or am I lucky.

My thanks and take care.

zerog

kc7020 wrote: »

Hello folks, here's the story

Last year I applied and successfully received a credit card from HBoS with a £1,000 limit. I maxed this out, left the country and headed to Australia. I recently checked my UK online banking account and the credit card account was gone. Phoned the credit card team at HBoS and there's no record of the credit card in my name/address etc.

So I ran a credit report and there is no negative credit in my name being reported.

I'm understandably slightly worried because I want to, and have the cash to pay it off, however it appears to have vanished and I do not want it to potentially reappear despite making efforts to track it down and pay it off.

Any ideas folks, or am I lucky.

My thanks and take care.

... if this really happened to me, I wouldn't tell the whole world about it.

bigadaj

zerog wrote: »

... if this really happened to me, I wouldn't tell the whole world about it.

I might but I'd wait six years.

tinkerbell28

It could be. It has vanished as they've sold the debt on. Some companies wipe the debt from existence when it has been sold on. Don't know why. Then it could take a while for the debt collection agency to record it. Is one possibility. Then they record the bad debt as owing to them.

jonesMUFCforever

Why not SAR the bank and find out what happened?

rb10

Have you been making at least the minimum repayments on time each month?

How long since you last had contact from Halifax about the card?

kc7020

jonesMUFCforever wrote: »

Why not SAR the bank and find out what happened?

There hasn't been any suspicious activity on the credit card.

rb10 wrote: »

Have you been making at least the minimum repayments on time each month?

How long since you last had contact from Halifax about the card?

I completely forgot about the credit card when I came to Australia, until a few days ago when I then logged in to my online banking for HBoS to find that the credit card account had disappeared. So no, no monthly payments have been made, hence why I'm worried.

I phoned and spoke to the credit card team at HBoS 2 nights ago and the gentleman who I spoke to could not locate the card account at all. He also said that if the debt had been passed on to a debt collector then they would still have had the account on their database for record purposes.

So no credit card account with the bank, and nothing on my credit report.

Also I highly doubt that the bank will monitor here for such incidents, especially as they have no idea who I am. Besides if they do, it would be nice to get this sorted so them chasing me up on this would be in my favour as I do not want to be black listed.

Cheers for the replies thus far.

tinkerbell28

There is no such thing as a blacklist. The banks do keep a record as such, but it isn't necessarily on the main CS base and quite often can disappear from your credit report.

My bet is still on it popping up as a default with a debt collection agency.

rb10

If you haven't made the monthly repayments and have been ignoring correspondence from them (which will have been sent to your home address, even if you're not there), then it will have been passed to a debt collection agency.

It will probably show up as a default on at least one of your credit files soon.

Do you still have access to post sent to the address that Halifax had on record for that card? As that's where the debt collection agency will contact you.

redpete

kc7020 wrote: »

I completely forgot about the credit card when I came to Australia, until a few days ago .

Do you mean "I completely ignored the credit card when I came to Australia, until a few days ago"

kc7020

tinkerbell28 wrote: »

There is no such thing as a blacklist. The banks do keep a record as such, but it isn't necessarily on the main CS base and quite often can disappear from your credit report.

My bet is still on it popping up as a default with a debt collection agency.

If the banks do keep a record I don't understand why they could not find the account when I called them.

rb10 wrote: »

If you haven't made the monthly repayments and have been ignoring correspondence from them (which will have been sent to your home address, even if you're not there), then it will have been passed to a debt collection agency.

It will probably show up as a default on at least one of your credit files soon.

Do you still have access to post sent to the address that Halifax had on record for that card? As that's where the debt collection agency will contact you.

That was my thoughts, however the fella I spoke to on the phone stated clearly that even if it was/has been passed on to a debt collector they (the bank) would still have a record of the account, which they do not.

I also no longer have access to mail at my previous address, the one the card was registered to.

redpete wrote: »

Do you mean "I completely ignored the credit card when I came to Australia, until a few days ago"

No Pete, I mean what I said. Assume what you will but that statement is irrelevant to this discussion.