Call Credit - Big Problem

Olibakes

Hi,

I recently applied for a mortgage through HSBC. They did an Experian credit check, which was fine, and the underwriters have been looking into our bank statements etc. for a week or so.

However, I found out today that they did a further credit check, through Call Credit, which has revealed problems. Having checked Call Credit myself today, it appears they have duplicated a credit card I had years ago, they have it showing as settled as well as open. The open account is showing as in default for the last five years (even though it hasn't been and is settled), which has clearly been picked up by HSBC.

I've spoken to the lender, who says they have only sent one report to call credit, which shows the account has been settled. I also spoke to Call Credit, who were particularly unhelpful, asking me to submit a dispute, which may take 28 days.

The broker has spoken to HSBC and they are looking into it. I'm really worried this is going to cost us the house we are hoping to buy, through no fault of my own. I checked Experian and Equifax before applying and both were in good order.

Is there anything I can do? Other than hope HSBC see that the account has clearly been duplicated and use some common sense?

Thanks in advance