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HSBC updating my Equifax in a dro order

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JamesC90
JamesC90 Posts: 6 Forumite
First Post
Hi,

I entered a dro order around 2 months ago, and in that time, a lot of my creditors have left me alone and the dro has been a great help.

However HSBC has updated my account two times with added charges and marking my account as a missed payment, I’ve rang them 3 times to supply a dro order number, no one knows what to say to me , and the best advice I’ve been given and was totally useless was and I quote “to contact the credit reference agencies” as they have no control over the matter

are hsbc allowed to do this?

Comments

  • fatbelly
    fatbelly Posts: 22,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    What they must do is register a default at the dro date or earlier

    Just send one letter telling them that and quoting your dro reference, then ignore them

    They can add charges if they want - you won't be paying them and the whole thing will be written off when the moratorium ends
  • JamesC90
    JamesC90 Posts: 6 Forumite
    First Post
    fatbelly said:
    What they must do is register a default at the dro date or earlier

    Just send one letter telling them that and quoting your dro reference, then ignore them

    They can add charges if they want - you won't be paying them and the whole thing will be written off when the moratorium ends
    Thanks fatbelly, appreciate this & I will do exactly that
  • sourcrates
    sourcrates Posts: 31,555 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Credit file clean up is usually done when your DRO ends.

    See Debt Camel website for details.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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