Called them today, as no response to letter and they had left message for husband to call - they have amended record and info will be passed to cra on 4/10. Will check then to make sure done. Have also sent letter advising that if they don't will refer to fo

Yes, I have all my letters from the Trustee

Hi Duffers mum Have just rec'd a reply from barclaycard . not a standard email - my email has been replied to by a real person. Okay its says that I will receive a reply with seven days (watch this space) [email protected] - thats the email address I used My situ was different in that I entered into a Protected Trust Deed, which I must add has now been discharged - but yes they kept phoning until I got my Trustee to contact them - but Barclaycard sold the debt to Max Recovery who accepted settlement. However Barclaycard is still showing the debt as outstanding. Just remember that you are not the first person to be in this situation and will not be the last and I know it seems hard going at the moment, but things will improve in time.

have just found email address for barclaycard and have sent them email giving 7 days to contact or will go to financial ombudsman as they have failed to correct information on cra - they sold debt but still showing as due

I sent letter recorded delivery to Barclaycard on 6th Sept and have not had response - think I should refer to financial ombudsman?

Thanks, I have started writing to companies and to cra's but with the exception of Bank of Scotland they would appear to be ignoring my letters. Thought would give 28 days then send further letter advising that have 7 days to replay or will refer to financial ombudsman. Do you think that this is the correct way to go?

Can anyone give me advise on how to repair my credit file. Have had no debts at my current address, only at my previous. All of which were settled under a Trust Deed, which was discharge in July 2006

I entered a Trust Deed in July 2004, which was discharge in July 2006 -a year early Under terms of Trust Deed Akitv Kapital, who had bought my debt from GE Capital, accepted a settlement. Have now found out that although they are showing the reduction on both Equifax and Experian CRA's they are not showing as being settled, or even partial settlement. I phoned them as I have had no response to letters issue to them on 7.9.07, to be told that the debt was still outstanding. When I advised that they had accepted settlement under terms of trust deed, the guy on the phone says he would need to speak to someone and would call me back, following night. Surprise, surprise 3 nights on and no call, tried to call them again tonight but closed. Can anyone give me some advise on how to get them to change the info. I have also sent letters to Equifax and Experian advising that the information the hold is incorrect, but no response from them either.

If a loan rate is not fixed, yes it could go up with Base Rate

Thanks - have written to the companies involved but will also write to the CRA's

Have found that although cleared debts by going through Protected Trust Deed that several companies are still showing the debts are outstanding note that they have been partial satisfied. Also found that 2 companies that sold the debts are still showing that they have the debt outstanding - How do I go about getting this changed:confused: