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monument credit card problem on credit report


postmn
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I got into serious trouble a while ago and entered into a dmp with all my creditors which they accepted and froze the interest .

 

everyones share was on the bigger the debt the bigger the % and everyone was happy with this .

also as soon as one creditor was finsihed i redistributed their share to the remaining creditors until finally i only had mbna left

 

they had frozen interest etc so i had no problem and then i found i could pay more than i had set up with them

so i increased it to the new amount

subsequently they started charging me interest .

 

is there any chance of getting them to return the interest paid

since i was in a arrangement with them (Or so i thought) .

ot did i blot my copy book by increasing the payment to them

 

many thanks

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  • 2 weeks later...

I had a monument credit card and finished paying it last year through a dmp i se4t up myself and i made a overpayment of £6.03 so i wrote a letter asking them to close the account and refund me the money and i banked this on 1st of aug . however i have checked my credit report and monument is still showing as open with a balance of £8 how can i get this error rectifiled because i seem to repmeber barclays sold this business

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I had a monument credit card and finished paying it last year through a dmp i se4t up myself and i made a overpayment of £6.03 so i wrote a letter asking them to close the account and refund me the money and i banked this on 1st of aug . however i have checked my credit report and monument is still showing as open with a balance of £8 how can i get this error rectifiled because i seem to repmeber barclays sold this business

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Hi Postmn,

 

You should firstly give Barclaycard (who, I believe, now own ex Monument cards) the chance to remedy the incorrect entry.

 

Write to them with details and ask them to correct their error within 14 days or you will take further action. Use Recorded Delivery.

 

If you want, you can also write to the CRA(s) to point out the error and ask them to amend the entry while the matter is resolved. See here for a letter you can adapt - http://www.consumeractiongroup.co.uk/forum/showthread.php?131232-Credit-Reference-Agencies-Multiple-defaults-for-same-debt.&p=1379291&viewfull=1#post1379291

 

More info here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?72-Data-Protection-and-Default-Issues

 

If they fail to comply, come back for further help if needed.

 

:-)

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Hi Postmn,

 

You should firstly give Barclaycard (who, I believe, now own ex Monument cards) the chance to remedy the incorrect entry.

 

Write to them with details and ask them to correct their error within 14 days or you will take further action. Use Recorded Delivery.

 

If you want, you can also write to the CRA(s) to point out the error and ask them to amend the entry while the matter is resolved. See here for a letter you can adapt - http://www.consumeractiongroup.co.uk/forum/showthread.php?131232-Credit-Reference-Agencies-Multiple-defaults-for-same-debt.&p=1379291&viewfull=1#post1379291

 

More info here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?72-Data-Protection-and-Default-Issues

 

If they fail to comply, come back for further help if needed.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 months later...

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