HSBC Card

[backontrackjack]

I received a HSBC card in early 2008, I fell on some HARD times in September of 08 and was unable to pay them, I have 4 past dues with them (1-30 day, 1-60 day, 1-90, and 1-120). HSBC sent my account to Redline Recovery, and I've been paying them, and have managed to pay down the account. The high balance was $1034, I now have a balance of $128.

I think that Redline Recovery is some kind of internal collection agency, because I pulled all 3 of my reports and they are not listed, rather HSBC is listed, and it shows the account was closed by credit grantor.

When I called HSBC regarding my account, they tell me to cotact Redline Recovery.

My questions are:

 how do I go about getting the late payments removed? should I do a GW? has anyone had success with HSBC?

and

has anyone had success with reopening a cc, specifically HSBC once it's been closed,

I'm confused as to who has the account. Please help

[BungalowMo]

Are both reporting?  Does HSBC show a $0 balance?

[backontrackjack]

Only HSBC is reporting, and it's not showing a zero balance

Thanks

[BungalowMo]

Wow...that's interesting.  HSBC isn't exactly "top of the line", but for them to use this company???

Just did a quick google search....these people are unreal! 

You need to contact a higher up at HSBC.  [Edited to remove personal information]
Clicking the above link, I found this....  www.us.hsbc.com

Get a letter together.  Tell him you want to pay!  Preferably PFD, or pay, remove baddies & reopen acct.  But you do NOT feel secure dealing with a CA with such a horrific online reputation.  Schmooze him & say you believe his company is above board & are better (or whatever) than the questionable collections co they're associated with.

Any one else have a better idea??

The posting of personal information belonging to another person is against the TOS.

Message Edited by LilMirth on 07-31-2009 08:35 PM

[Anonymous]

p.j.law didn't work, the other 2 didn't come back as mailer demon so maybe it got there...here's hoping....

[backontrackjack]

Thanks for the replies.

My apologies-the cc in question is Household Bank. I don't know if that makes a difference or not.

I too did a search on Redline and read all the complaints and grievances. I haven't had a problem with them (knock on wood), but that's probably because I've been paying them.

I will send GW letters out to everyone and their mama.

[BungalowMo]

---

@Anonymous wrote:
p.j.law didn't work, the other 2 didn't come back as mailer demon so maybe it got there...here's hoping....

---

OK...so you've sent to that address???  Excellent.  How long ago??

[BungalowMo]

---

@backontrackjack wrote:

Thanks for the replies.

My apologies-the cc in question is Household Bank. I don't know if that makes a difference or not.

I too did a search on Redline and read all the complaints and grievances. I haven't had a problem with them (knock on wood), but that's probably because I've been paying them.

I will send GW letters out to everyone and their mama.

---

I has Household too....Mine ended up w/ Midland....

Message Edited by BungalowMo on 07-31-2009 07:31 PM

[backontrackjack]

Yeah-Redline has a bad rap. Before I knew any better (that is....before discovering this site), I had set up a payment plan with them. I've paid down my high balance, and currently owe $128, which I plan to pay next month. Before setting anything up with them, I should have contacted the OC and dealt with them instead. Isn't hindsight always 20/20?

I'm learning.

Ok-so  you suggest that I send them a letter correct? I'll try that approach.

Thanks again

ETA-when I spoke to customer service at HH rgarding reopening my account, they said I would have to talk to Redline (scratching head), tha to me makes absolutely no sense. They're not the OC. Just to humor myself, I called Redline re reopening the account. They claim, that they would send a letter to HH on my behalf requesting they open the account. Right. I was in a good mood, I then asked, if HH usually reopened accounts once they were closed, and the RL person said, she can't say yes for sure, but it's highly probable. I was born at night but last night,

Please let me know your thoughts.

[backontrackjack]

BungalowMo-What was your experience with Midland?