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Barclays Problem

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  • #61
    Re: Barclays Problem

    Agree with Nightwatch.

    You have the evidence it was defaulted so they cant again. ICO is quite clear on that.

    And an AP should never leave you worse off than someone who had just defaulted and done a runner. Again ICO clear on that too.

    Sounds more like an effort to keep your account live longer.

    I had this and now have it rectified by complaining to the ICO. The DCA in my case is £50 lighter in its wallet for the hassle of pointing out the ICO guidelines to it.

    Also as Nightwatch says legal advice may be useful. Can see this becoming a battleground in the future.

    Yes report our accounts as it happens for sure. But when they get it wrong they should be more willing to alter stuff to show what happened not what they think happened.

    In your case you have evidence of a default 6 years age being reported. That should be it and if they dont remove it all now I think the ICO should grow some and fine them.

    That would soon stop the AP game they seem to be latching onto.

    Comment

    • #62
      Re: Barclays Problem

      Originally posted by nightwatch View Post
      Blodwin as far as i can recall (we are having the same problem with LLoyds)
      If the account is defaulted and the default is recorded with the CRAs then after 6 years the Default is removed wether the account is paid up or not,
      they cannot then start recording an Arrangement to pay as this would be unfair to you
      where they state that the arangement to pay will stay on your file for 6 years after the arrangement ends is because if they sell the account, decide to cancal the arrangement,(which they will do without warning) or you stop paying they will default you and the DEFAULT stays on the record, so this would be a Second default for the same account NOT ALLOWED
      I would send a letter along the lines of I am NOT in or agreed to any arrange ment to pay ,you defaulted the account 6 years ago and if you continue to report adverse Data I may take the matter further and seek legal advice and
      Complain to the ICO, and OFC,FOS also seek financial redress for the stress caused by the incorrect reporting of the account,
      also send one to all CRAs Data controler
      please note this is what I would do others may go along another path
      But I AM in an arrangement to pay them. That's the issue. I THOUGHT that the data would drop off my CRFs regardless of an arrangement to pay? ie the Default was there for 6 years during which I have been paying them by arrangement and then, when it drops off, thats the reporting done and dusted irrespective of an arrangement? Is that incorrect?? Confused here!

      The way I read your post is that the bank are entitled to default me twice if I stop paying them now because I've been in an arrangement weith them since 2006?

      Comment

      • #63
        Re: Barclays Problem

        Originally posted by Blodwin View Post
        But I AM in an arrangement to pay them. That's the issue. I THOUGHT that the data would drop off my CRFs regardless of an arrangement to pay? ie the Default was there for 6 years during which I have been paying them by arrangement and then, when it drops off, thats the reporting done and dusted irrespective of an arrangement? Is that incorrect?? Confused here!

        The way I read your post is that the bank are entitled to default me twice if I stop paying them now because I've been in an arrangement weith them since 2006?
        Once the default (the original and now expired one) has reached 6 years no matter what you then do with the creditor, no more data can be applied to the CRA's as the account has already been defaulted - it is NOT a new account, agreement or anything!

        Complain to ICO here --> Complain about how your information was handled - ICO
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #64
          Re: Barclays Problem

          Awesome, thanks for clarifying!

          Comment

          • #65
            Re: Barclays Problem

            Originally posted by Blodwin View Post
            Awesome, thanks for clarifying!
            Let me see your complaint before you post/email it though and I will add some legislative guidance to it

            agreements@all-about-debt.co.uk
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #66
              Re: Barclays Problem

              Update.

              Captains Log Star Date 20fucking13

              Grrrr.... after my round of complaints to Experian last year I got an email in August from them stating that my complaint had been upheld and that they would supress all future reference to the Barclays account from my CRFs. The bank admitting the data was being loaded in error.

              The bank itself in my compalint to THEM admitted their systems just load the account because its bstill on an Arrangement and there is seemingly nothing they can do to stop it getting filed with the CRAs

              Equifax however don't have the same problem as Experian in suppressing this erroneous data....

              ...I checked recently and in February of this year Experian started reporting the Barclays account all over again. It HAD vanished between August 2012 and January 2013 but is now back on.

              I sent repeated emails to Experian, all ignored. Even to the customer elations officer who dealt with it last time. So I sent an email to LEE HANCOCK (who never responds) but suddenly I get a non-automated response from the same dude that handled my complaint last year.

              He is looking into it and treating it as a fresh complaint.

              So I'm forfced to fight this all over again. We all know what's coming: "we are not the data owner...take it up with Barclays."

              But I do have Experian's email upholding my complaint from last year.

              Comment

              • #67
                Re: Barclays Problem

                What a nightmare! Something to watch out for the rest of us! Let us know how you get on.
                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #68
                  Re: Barclays Problem

                  You should review your credit files regularly and often. Don't rely on THEM to do their job properly.

                  Comment

                  • #69
                    Re: Barclays Problem

                    Originally posted by Blodwin View Post
                    You should review your credit files regularly and often. Don't rely on THEM to do their job properly.
                    Um, im actually taking the opposite approach Blodwin on this one.

                    I have the CRA reports on me printed out after the defaults were registered and not going anywhere near them until its a) all cleared up, or b) i need to access credit again and want to check nothing may be spoiling the 3 year search most lenders look for.
                    The reason i am doing this is many members of AAD have reported an increase in DCA activity once you sign up.

                    Is this still the general consensus?
                    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #70
                      Re: Barclays Problem

                      I think it is missy yeah.
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #71
                        Re: Barclays Problem

                        Originally posted by SXGuy View Post
                        I think it is missy yeah.
                        Thanks for confirmation mate, appreciated. You don't happen to know if lenders can share salary information do you - or is it just for their own purposes? Just curious, see here, if you will
                        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #72
                          Re: Barclays Problem

                          Originally posted by missy View Post
                          the 3 year search most lenders look for.
                          whats that? I thought searches were on for 12 months? obtaining searches on ourselves can't affect credit surely?
                          Last edited by Blodwin; 3 May 2013, 15:47.

                          Comment

                          • #73
                            Re: Barclays Problem

                            Originally posted by Blodwin View Post
                            whats that? I thought searches were on for 12 months? obtaining searches on ourselves can't affect credit surely?
                            Sorry Blod - what i was referring to here was the three year search lenders look for when someone applies for credit.
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #74
                              Re: Barclays Problem

                              3 years? most peoples' lives have moved on in that length of time its pathetic. I'll be about 95 years old before my credit files ever repair at this rate.

                              Comment

                              • #75
                                Re: Barclays Problem

                                Originally posted by missy View Post
                                You don't happen to know if lenders can share salary information do you - or is it just for their own purposes?
                                Not officially but I suspect they do behind the scenes

                                Comment

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