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  • filing adverse after default removal

    What steps should be taken when a creditor re-files a hitherto defaulted account as a 'new' account with a new account number after it was originally removed from a credit file after 6 years?

    Has just happened to my b-in-law. He had a Barclaycard that defaulted. It sat on his credit files for 6 years. All the time he has been paying them on a DMP. Then, 12 months after it was removed, the bank chandge the account number and re-filed it as an Arrangement to Pay.

    This must surely be in breach of the DPA?

  • #2
    Re: filing adverse after default removal

    Originally posted by The Debt Star View Post
    What steps should be taken when a creditor re-files a hitherto defaulted account as a 'new' account with a new account number after it was originally removed from a credit file after 6 years?

    Has just happened to my b-in-law. He had a Barclaycard that defaulted. It sat on his credit files for 6 years. All the time he has been paying them on a DMP. Then, 12 months after it was removed, the bank chandge the account number and re-filed it as an Arrangement to Pay.

    This must surely be in breach of the DPA?
    It is a breach, one account = one entry per life-cycle of said account. Basically ICO time - but you'll need proof that they have done this, then you send that proof and the ICO will demand removal or instruct the CRA to remove the data directly.
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    • #3
      Re: filing adverse after default removal

      Proof, as in sending them a SAR? Might be worth keeping all my existing SAR data then plus screenshots of my cred files for a few years.

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