Credit reports keep showing default

alanjmil · 30th August 2008, 14:25

Hi,
I had a problem with Barclaycard back in May 07 whereby they were accusing me of not paying for the card I had with them.
After many phone calls getting nowhere, I eventually got hold of Barclaycard Recoveries number. From them I found out that on there side someone had changed my address information so all my corrspondence was going to the wrong address.
Eventually the outstanding ( which I did owe and I was happy to pay ) was payed and it was agreed that the extra charges would be dropped as it was an error on there side. I was also sent a letter to confirm this.
Now when I did a credit check online in April of this year it was still showing a default on this account, I rang Barclaycard Recoveries again and they replied that it should not be defaulted and they would correct the default ( which they did because I checked online again a few days later and it had been cleared , Great ).
I have just looked at my credit report again and the account is now defaulted again starting from June 08

.
What can I do to stop this from happening

.

Thanks in advance

MARTIN3030 · 30th August 2008, 14:53

Contact the CRA and tell them you wish to open a dispute.They will contact Barclays.If you remain unhappy tell them you wish it to be decided by the Information Commissioners Office-they are required to let them decide if they cant.
Writing to Barclays Data protection office-I think Radbrook Hall -wont do any harm either.Keep copies and send with proof of post.

postggj · 30th August 2008, 15:39

hi alan

dont start panicking over this

this has just occured with me ref a default from hbos
they removed it in december
had a credit alert and hbos default back on
i just phoned there recoveries dept and it was gone again with in 48 hours
try that first
mind you, they never gave me an explanation, could be an automated process as yours is barclays and mine hbos.

postggj · 30th August 2008, 16:08

just thought i would mention

the big banks etc have a direct link to the credit agencies
they can remove or ammend accounts, defaults etc with no imput from the cra directly

MARTIN3030 · 30th August 2008, 23:34

I am suprised to hear of this.It raises some serious concerns.

postggj · 30th August 2008, 23:39

hi martin
thought that would get people talking

i can confirm, it is correct
it was straight from the recoveries dept at hbos
she said the banks have a direct link with the cra and they can ammend peoples credit files direct from source

MARTIN3030 · 31st August 2008, 04:59

interesting I will look into it.This suggests there could be more than a vested interest than was thought.I have an ongoing court case with RBS under data protection issues-after contacting the CRA concerned they responded that they could not alter or remove info without permission from RBS and with their agreement.RBS responded that they had no controls at all over how the CRA processed or managed the data previously supplied by them.
I have copies of both letters in writing-and in fact blows a hole in the RBS defence-where they again say they have no controls.

postggj · 31st August 2008, 10:02

there are a few threads at the moment where credit card companies (banks) have lowered peoples credit limit or revoked overdrafts.
no searches on credit file.

could it be they are looking at our files covertly now

how long has this been going on, or a recent secret paying service by the cra

jonni2bad · 31st August 2008, 11:09

Quote:

Originally Posted by postggj

...i can confirm, it is correct
it was straight from the recoveries dept at hbos
she said the banks have a direct link with the cra and they can ammend peoples credit files direct from source...

I take it that this was a telephone call?

If it was, I don't suppose you have it recorded, so you?

postggj · 31st August 2008, 12:54

afraid not
but can confirm it was hbos recoveries

MARTIN3030 · 31st August 2008, 13:52

Will move this thread into Credit Ref Agencies forums.

postggj · 31st August 2008, 13:54

it appears ive stired up quite a hornets nest on this one.

ive an idea

ill phone hbos recoveries again this week thanking them for removing the default so quickly.

with tact ill try to get them to confirm what i have posted, this time ill record the conversation.

can any body recomend a mobile that will record conversations

any pointers as i dont want to tip my hand as i now realise the importance of the slip by hbos

postggj · 1st September 2008, 16:33

just bumping

any site team care to comment on the above

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