HSBC Credit Card Default on Callcredit.

mjswift

Hi

I recently signed up for Noddle to keep an eye on my Credit File as I reach the end of my dmp. Subsequently I noticed that there is a Default on my file for a HSBC Credit card that was part of my dmp -- dated 2012.

I set up my DMP in 2005 and I am due to finish in December this year having paid in over £50,000!! So, as you can imagine, I am not happy about this default as it won't drop off until 2018 despite being accepted into a DMP 9 years ago!

A little bit of history:

- DMP set up in Nov 2005, all creditors accepted offers including HSBC for this account.
- HSBC transferred this account to Moorcroft in 25/4/2006.
- Moorcroft transferred this back to HSBC 11/1/2013, administered by Metropolitan Collection Services.
- The account is showing on my Credit File on Equifax as Satisfied on 31/8/2012 and no other payment info
- The account isn't on my Experian file at all!!
- The account shows on Callcredit/Noddle with no payment info apart from the account showing as Satisfied and also a Default, both dated 31/8/2012!

I have no idea why HSBC decided to resurrect this account on the CRAs and why they decided to register this default.

Here comes the Questions:

Could this be a mistake? - How do I check?

Are HSBC allowed to register a default without informing me - particularly 7 years after it was originally defaulted and included in a DMP. I haven't received/seen any communication relating to this.

What are the initial steps to get this removed as I think having worked my @rse off for 9 years to clear my DMP that I would come out the other side with a reasonable credit file!

Any advice really appreciated?

Thanks

MJSWIFT