Debt agency has my dob wrong and won't talk to me

Tryingharder

I have a debt which was originally with the hsbc. It was a business loan secured on my house. I reduced the debt from 65,000 to 25,000 and never defaulted. Then about 8 years ago, my payment was one day late because I had to transfer money from one account to the other.
The hsbc immediately put me into special measures. I was asked all my personal in/outgoings and was asked to write these down on a cheap/wonky photocopied questionnaire - which i received through the post and which was not on letterheaded paper. I called them to ask about it, and why I had to do this and they said they would get back to me. I heard nothing back from them, and then suddenly they started charging me £100 per month on top of the £800+ I was already paying against my loan. I tried to dispute this £100 and they said (My business manager with regional manager present) were charging me £100 a month because my business wasn't as profitable as they or I had anticipated from my initial business plan. I disputed this and they stopped it after 9 months but I was never refunded.

I started to struggle with the business - it was peak credit crunch - and I asked to reduce my loan repayments temporarily. My business manager said they could not reduce my loan payments and that the only way to do this would be to default on my account, accept all the (formality) warning letters and let my debt go to a debt collection agency, then I could negotiate monthly repayments. He warned me to tell the agency immediately they contacted me, not to close my bank account.

By the time I was contacted by the debt collection agency, they had closed my bank account and I consequently lost my credit card facility and I haven't been approved since for another one as I have a bad credit rating because of this default.
My business went down the pan instantly and I could not pay my loan. I contacted the financial ombudsman - I got a letter back, but didn't pursue the matter as I didn't think I would stand a chance against the hsbc giant.
Every now and again I get a letter from a different agency telling me that they manage my account now - interest has been frozen. I used to tell each agency the story and they all said they would investigate and get back to me and I would never hear from them again. I have ignored the last few letters advising me of agency changes ... until recently.

I would now like to clean up my credit rating and get rid of this burden of a loan and remove this charge from my residential house and I phoned the latest agency to write to me to try to negotiate repayment or a settlement.
They refuse to speak to me because the date of birth I give them is not the one they have on the documents. They said they would investigate with their client but haven't got back to me yet.
What do I do now? I have phoned twice and they still refuse to talk to me until I give them the date of birth that they have on file for me. This is the first time this has happened so it was definitely correct in the first place.

Marktheshark

Your post has hundreds of words of irrelevance.
AND NO DATES.
Dates are King in debt

Tryingharder

ok thanks - I will find out, but why do exact dates matter? It is a secured loan.

Tryingharder

To sum up:
I am trying to pay a 10 yr old secured loan that I haven't paid anything towards in the past 8 years. The debt collection agency won't speak to me as when they ask me to go through security, they tell me the dates of birth don't match.
What do I do?

Wendy

DandelionPatrol

Tryingharder wrote: »

To sum up:
I am trying to pay a 10 yr old secured loan that I haven't paid anything towards in the past 8 years. The debt collection agency won't speak to me as when they ask me to go through security, they tell me the dates of birth don't match.
What do I do?

Wendy

Nothing, unless you are in a position to settle the debt in full, in which case write to them.

Tryingharder

I can't settle it in full, but I would like to remove this from my credit rating because it's preventing me from moving forward in so many ways. They have made a mistake somewhere - is there nothing I can do at all?

DandelionPatrol

Tryingharder wrote: »

I can't settle it in full, but I would like to remove this from my credit rating because it's preventing me from moving forward in so many ways. They have made a mistake somewhere - is there nothing I can do at all?

As the loan is secured, you are unlikely to find they will accept an offer. If you want to try an offer, then write.

If you have not paid for over 6 years, the loan should be defaulted and off your credit record.

Marktheshark

They have 12 years to obtain a CCJ not six for a secured loan, now you have stirred the hornets nest, I think they may be sending you a solution.