Barclaycard Default not registered

[RonnyBoy]

Hi,

Here goes my first post,

I wanted some advice as to why a default has been reported as (6)'s on my credit file. And how I can get it changed to a default so it will drop off my credit file at the same time as 4 others.

I defaulted on 5 accounts in 2010, of which 4 of them registered a default on my credit file Nov-Dec 2010. The other one, Barclaycard (now with Link Finance), have been marking the account on my credit file every month with a (6) and a BB underneath.

The debt in question is currently with a company called IDR finance and being managed by Link Finance. Heres a bit of history.... ...The debt was originally taken out in 2002 with MSDW. Whilst the account was in good order it was transferred to Goldfish (2005) and then Barclaycard (2008). It's whilst with BC that i ran into trouble and received a DN from mercers in Oct 2010. I actually started my DMP with Payplan in Nov 2010 and this account has never been reported as a default (D) but instead as a series of (6's). The account history on my credit file from Mar -Dec 2010 was as follows... MAR (1) APR (AR) MAY (AR) JUN (AR) JUL (AR) AUG (2) SEP (3) OCT (4) NOV (5) DEC (6).... ... and (6)s ever since. I CCAd this account in 2011 and received T&Cs only. Many Thanks

[Pixie]

Re: Barclaycard Default not registered

Hi RonnyBoy.

I'm sure there's been another very similar query recently (can't find it just at the moment) and I'm sure someone said that it was common practice for Barclaycard. Though if you received a default notice from Mercer's in 2010 surely the default should have been registered then?

Are you still on your DMP? Have you thought about going down the UE route?

[SXGuy]

Re: Barclaycard Default not registered

they dont have to act on the default notice and register a default on your credit file. They should have registered one by now though.

Ill let Niddy or someone else guide you as to what to do from here.

[RonnyBoy]

Re: Barclaycard Default not registered

Hi Pixie,

I'm still on my DMP with Payplan and will be for the foreseeable future.

I'm unsure about the UE route and what it implies.

My end goal, with my situation, is to be able to sell my current house and move to another house in 3 years. This means getting another mortgage and I feel the reported (6)s on my file will affect my credit score. Am I right in thinking the defaults will drop off my credit file after 6 years?

[Pixie]

Re: Barclaycard Default not registered

To see what the UE route entails have a look at these threads Help with Unenforceability and Unenforceability Diaries

Yes, defaults drop off after 6 years.

[Never-In-Doubt]

Re: Barclaycard Default not registered

All you gotta do is login to your credit report and raise a dispute against the entry in question with the following:

"this account is a credit card account which I first missed a payment due March 2010. To date there has never been any contractual monthly payments made and based on this fact, taking into consideration the ICO Technical Guidance on Issuance of Default Markers & Notices, the account should not be generating recurring [6] markers but should in fact be defaulted (within 6 months of the first default (missed payment) occurring on the account) which means the record should be changed to a Default status with a default date around August/September 2010.

Please rectify this error as the creditor is ignorant to my repeated requests. Failure to correct the incorrect data will result in a formal complaint being raised with the Information Commissioner who, as I'm sure you appreciate, take a dim view of deliberate breaches of data processing"

Good luck

[RonnyBoy]

Re: Barclaycard Default not registered

All you gotta do is login to your credit report and raise a dispute against the entry in question with the following:

"this account is a credit card account which I first missed a payment due March 2010. To date there has never been any contractual monthly payments made and based on this fact, taking into consideration the ICO Technical Guidance on Issuance of Default Markers & Notices, the account should not be generating recurring [6] markers but should in fact be defaulted (within 6 months of the first default (missed payment) occurring on the account) which means the record should be changed to a Default status with a default date around August/September 2010.

Please rectify this error as the creditor is ignorant to my repeated requests. Failure to correct the incorrect data will result in a formal complaint being raised with the Information Commissioner who, as I'm sure you appreciate, take a dim view of delibe
rate breaches of data processing"

Good luck

Cheers for this. I'll get onto it tomorrow.

[Never-In-Doubt]

Re: Barclaycard Default not registered

Nice one, just let us know what they say before responding to any reply

[RonnyBoy]

Re: Barclaycard Default not registered

Hi,

Dispute raised and will relay any response here before replying.

Thanks for the fast response and i'll take a look at the UE threads as I have at 2 cards with DCAs and Halifax sent me T&Cs when CCAd in 2011.

Thanks a lot, all your help is much appreciated.

[RonnyBoy]

Re: Barclaycard Default not registered

Hi again,

As I was sorting the BC dispute out on my credit file I noticed, in my closed accounts, that one of my other defaulted cards (mbna) had a status as 'satisfied'. Is this ok as other defaulted accounts, passed on, say 'settled'? This account was transferred to idem services who currently receive payment through my DMP with Payplan.

Cheers
RBoy

[Never-In-Doubt]

Re: Barclaycard Default not registered

Satisfied suggests it's been settled at a reduced rate, ie F&F whereas settled means you settled & closed the account. What SHOULD happen is when MBNA sold it to a dca, and thus marked your record "satisfied"; the dca purchaser would create an overlapping entry marked as default with them as the creditor.

If this hasn't happened - result!!

A satisfied account will not go against you, no.

[SA Gold]

Re: Barclaycard Default not registered

Just wanted to pop in and wish you all the best with this Ronny.

Cheers
SA Gold

[RonnyBoy]

Re: Barclaycard Default not registered

Satisfied suggests it's been settled at a reduced rate, ie F&F whereas settled means you settled & closed the account. What SHOULD happen is when MBNA sold it to a dca, and thus marked your record "satisfied"; the dca purchaser would create an overlapping entry marked as default with them as the creditor.

If this hasn't happened - result!!

A satisfied account will not go against you, no.

bib... sadly not.

Thanks again for the reassurance, its much appreciated.

[RonnyBoy]

Re: Barclaycard Default not registered

Just wanted to pop in and wish you all the best with this Ronny.

Cheers
SA Gold

Cheers SA Gold

[RonnyBoy]

Re: Barclaycard Default not registered

Hi again,

I raised 2 disputes through Noddle, one on the previous account owner BC and another against the current owner Link Finance. I received a letter today from Noddle dated 31/1/14 as follows:

Dear Mr ........,

After investigation, Barclaycard has advised that the disputed entry cannot be amended as per your request, as they believe the information they currently on for this account is correct.

If you would like to discuss this matter further, please contact Barclaycard directly.

We trust that this information is explanatory.

Yours Sincerley



Thanks in advance.