apologies here is full details in May 2008 I was self employed my contract finished and I had no work. I reached out to Bcard and explained and they said they would accept reduced payments for 3 months. the figure was agreed and it was only at this time I found out I had PPI on the account. I never requested it and the fact I was self employed would not have qualified for PPI in the first instance it was Bcard who told me they would stop the PPI charges I queried this at the time saying how can I have this I never signed up for it lots of fluffing on their part but tbh I just wanted to try and resolve and make the lower payments After the 3 months was up May June and July (they had my debit card details to take these payments) I advised my work was sporadic and could I continue with reduced payments and they said NO were completely unhelpful told me to speak to citizens advice bureau for debt advice. So this is where I got tough and stopped payments as they could not provide me with an agreement I then discovered August they had taken a payment of £298 out of my account because they had my debit card details without my authority and marked my account as arrangement to pay. this was never agreed and tbh it left me in considerable hardship and caused my bank t pull my OD facility. I have copy of letter I sent them disputing this payment so I can be specific and correct on this date and I changed my bank end of August 2008 Since August 2008 no payments have been made nor any contact. they sent me out a copy of agreement in response to my letter to them in August which was for a completely different person This is why I am so certain the debt is now Stat barred as no payment or contact since August 2008. however as they have never defaulted me in the 6 year period it still being reported on my credit file even though they have never sent me any statements nor updated the account since 2013. mind you they continued to add interest until 2013 On my credit file it shows following for this account :- Default Date Not Defaulted Not Defaulted Account Holder StatusNormal Not Available Account Status Delinquent Not Available Reported Until 6 years after account closure 6 years after account closure Therefore it will continue to show on my account forever as I have never been defaulted nor account closed and it already over the 6 year period

thanks for excellent advice as always

I also want to add I cannot work out PPI charges because I have received no statements for last 6 years I guess the SAR information should include this?

Thanks for advice people will contact Bcard little concerned if I do this and highlight the fact they have never defaulted me will they then default me as of now starting the whole 6 year ckock again I know it a catch 22 situation if I dont have a default the CRA's will continue to report on it but I want to make sure what Bcard should do to rectify this ie admit they made a mistake and the default should have been applied in 2008 Apart from SAR Bcard any suggestions how I should word the communication highlight the fact the debt is stat barred and no default has been applied or how should I approach them I agree if I dont take the bull by the horns and make contact it will go round in circles

As per previous post I already contacted ICO they didn't want to know told me to take it up with BCard CRA's have told me that the 6 year period for reporting is from date of default no default have ever been issued I reached out here to find out what I should do my concern is if Bcard never default me then it will continue to be reported forever the 6 years is up 6 months ago and by Bcard never defaulting me it wrecking my credit file If I contact Bcard will they default me from now thus starting another 6 year period or should they record default from original 6 month of no payment date which would be December 2008 Do I have any grounds to lodge a complaint with Bcard for wrecking my credit file by not ever defaulting me after 6 months of non payment I confused what the best course of action is I don't want this on my credit history forever and CRA's are advising they will continue to report and not remove as there is no default date lodged it already 6 months over the 6 year period

The issue is there is a very high balance I stopped paying them when they couldn't provide me a CCA I tried to work with them but they were totally unhelpful upon them saying no agreement I thought seeing as you have been so unhelpful you can go sing for your money because you have no agreement They took £300 out of my account saying I made an arrangement to pay at no point did I agree any arrangement to pay as they rejected my offers at that point I changed my bank The issue is as they have not defaulted me in over 6 years the CRA's are still reporting arrears on my credit file 6 months after the 6 year period my question is will they continue to do this forever as they have never defaulted me nor made any contact my credit file will never be clean if this is the case I don't advocate not paying debts but in my mind not claiming PPI offsets me not paying them if you get my drift This debt is statute barred no payment or contact has been made in 6 years they have never sent me any statements in 6 years however they are wrecking my credit file as without defaulting me the CRA's continue to report arrears past the 6 year period hence my reach out for advice what can I do to get this removed and stop BC wrecking my credit file by not having ever defaulted me

Wow that was so quick thank you ICO was all done via email their basic response was contact Barclaycard I can share emails from them if it helps My response was I contacted Bcard and they have not responded they told me to do so again because of the time frame since last contact were completely uninterested in the fact they have not defaulted me in 6 years and still reporting on me It was just ping pong back and forth me asking the question to ICO how are they allowed to do this and their response contact Bcard complete waste of time This is why I posted on here to get excellent advice as always how best to proceed Again thank you and of course will make a donation you guys deserve it for all the hard work you put in to keep this site up and running without it a lot of people would be at the end of despair

HI hope somebody can help me as I am searching site and internet and cannot seem to find an answer when I check my credit file I have a BC debt which is over 6 years old so should have dropped off my credit report however they have never defaulted me in the 6 years despite no payment since 2008 They have never contacted me in 6 years provided any statements and my last contact was in 2008 when they said they were unable to find copy of my credit agreement not to mention they sent me somebody else credit agreement The credit reference agencies are saying this will not drop off until 6 years after default if they have never defaulted will then be reported and wreck my credit history forever I went to the ICO to report this the fact they have never defaulted me in over 6 years and tbh they did not want to know complete waste of time Any advice will be greatly appreciated the debt should be stat barred as no payments have been made in 6 years they owe me more in PPI charges) if I contact Barclays and tell them they are in breach of regulations for not defaulting in first 6 month period will they then default me as of now thus starting the 6 year period again I am so confused how to get this off my credit file or is it going to haunt me forever until they follow guidelines and register a default

Hi sorry to hijack this thread but I am in the same boat and a little bit further down the line then you I have just received response from Aviva exactly the same situation the window company has gone bust GE money do nothing FOS sent my details to Aviva Aviva refused saying I was not mis sold and told me to take it up with the broker from the window Company 4 years to get this response I am appealing their decision as the broker is selling their product so they are responsible to administer the broker is acting correctly and I to was told that I had to take out PPI for both my husband and I two seperate insurances as it was a joint loan and we wouldnt get the loan without the PPI will keep you posted how it goes with Aviva

Hi All As usual the people on here are fab it was for £5,999 but I seriously have no idea what it is for the court told me it was Earlswood on behalf of RBS but I received no paperwork Bit of a family drama hence only being at my sisters for 2 weeks but the original plan was to be there longer so changed my bank address and had our post forwarded to this address for about 6 weeks I did have a really bad time a few years ago and I read my old posts and I cant believe where I was then to where I am now thanks to the great help on here I got strong and fought back rather then be a quivering wreck and thinking the only way out was to end it all I think if I had known about a CCJ then it would have pushed me over the edge!!! I think as per the comments I should leave it alone if they contact me and it proves to be valid then I absolutely will pay it but without details I not going to offer them free money without valid proof I come onto site once a month or so to make a donation when I can and to see if I can offer support to anyone else as without the support and help I received I would not be here now and getting my life back in order I seriously cant thank the people on this site enough it literally saved my life THANK YOU ALL

Now I do see this marvelous thank you so much for your help and putting this where it will get response and hopefully some great help from the fab CAG people

Hi Honeybee so appreciate the quick response If I go into any other forum ie debt or legal I don't get the option to post a new thread only in the welcome forum do I see a link left side which allows me to post new thread

Today I checked my credit file found a Multi agency report website I was totally gobsmacked to see a ccj reported on there dating back to 2010 which was served at my Sister's address which we lived at for a period of 2 weeks back in 2009 I phoned the issuing Court and finally got info that it was a claim by RBS issued by Earlswoods which I have no idea what for and never received any notification prior to CCJ to give me any chance to remedy or defend Again surely almost 4 years since it was awarded never received anything about this As you can imagine I am very upset that these people can just go to Court and get a CCJ against you without you you having any knowledge Any help appreciated what I can do to get this removed PS I had to post in the welcome forum as the debt forum legal forum would not let me create a new post this is the only place I got option to create new thread

God sometimes I am so blonde I am calling you Andy not Rory32 appreciate your help on this well I have returned PO to Halifax today advising them to stop messing about and comply with the request. I sent the letter off to Capital One sample you supplied lets see what happens then !!! I also put together another Harrassment letter and asked why they are continuing to flout the law as per the communication act 2003 and that their continual calls gives me further evidence to support my claim of harrassment etc etc have also sent this to Halifax lets see what happens now!!!! Changing numbers is real difficult as my home number is advertised across the globe as I am on call but I am getting to the point where I may just need to bite the bullet and do it mobile I am not so bothered I can turn that off and only need that on late at night when these muppets have gone to bed for on call purposes. Once again thank you for you advise it helps when you know you are not alone in fighting these idiots

Andy thank you so much for your help on this I have complained in writing and sent them the harrassment letter 4 times and filed an official complaint with OFT but they dont take any notice neither do Halifax they just continual to call call and call today they started 07.45 this morning and now up to 42 calls if I unplug my house phone they call my mobile I have to leave my phones turned on as I am on call they call repeatedly at my work during the week I have to leave my phone in voicemail I am about ready to hang myself with it all any advise on Halifax re them not accepting the postal order I know they are just being difficult ut I can play them at their own game thanks to the wonderful advise from you and others on this site once again thank you

Hi Can anyone help me with Cap One CCA Request they have advised because I didnt sign the letter they cannot process my request I am really worried because all the threads say dont sign it Again Halifax have returned postal order and say because I never signed it or made it out to them but left it blank they cannot action The calls still come every day home work mobile so they completely ignore the harassment letter New to this so any advise appreciated Thank you everyone

Willtheywontthey how kind of you to offer your support when you have your own worries this is what I mean when I say this site literally saved my life I stood on the train platform and was going to jump it all seemed so much especially with the personal grief I have experienced but people like you and the others on this site have made all the difference THANKYOU

thanks Mr Ton this is all new to me a born worrier that is my problem I have to say my employer is lovely they have always bent over backwards for time off maybe I just as you say realise that not everyone judges you because you have financial problems there are so many people out there worse then me I have to start counting my blessings but when you are low it makes it hard to do this thanks again for your support I need a kick up the !!!!!

Thanks Mr Ton for your advice if I am honest looking like we will have to give up tenancy in the next few weeks for something cheaper mobile and work difficult because of work business cards don't really want to have to explain this to my contract employers especially when my contract is due for renewal in the next few weeks try to keep all this seperate don't want them to think they are employing a liability!!! hopefully the harrassment letters may make them calm down for a bit appreciate your suggestion THANks

Hi Priorityone no I am sad to say not just Mercers & HFC they are the worst, but Halifax, Bank of Scotland & Capital One so far today the phone has rang 48 times then they start on my mobile which I have to leave switched on because of work I have taken the advice on this site to not speak to them but it is making my ife unbearable it really is then then start on my work number tomorrow morning I have written to them all asking them to contact me via post only and the harrassment letters will go off tomorrow as this weekend has def been the worse my husband is going mental as he can't get any sleep with the constant buzzer or mobile going I wouldn't blame him if he walks I have let everybody down getting into this mess!!!

thanks everyone your support does make you realise you are not alone here is a post from the Sunday times I was so incensed I had to reply so it does show I am not just crying all the time I am trying to fight back No wonder banks reluctant to lend. If they try to get their money back they get bad publicity or now get sued. Fortunately the vast majority of people still carry out their obligations without needing to be phoned. As for appointing someone to deal with it - not deal with it more likely. John f., epsom my response which I am pleased to say was accepted and now posted on the sunday times on line Lets hope Mr Epsom doesn't loose his job or have any personal crisis in his life that affects his income!! are the banks rang 32 times in a day because they have lost billions NO they get bailed out by the Government or me ie the taxpayer and yes today I have had 32 phonecalls starting at 07.45 Teresa, Chatham, Kent Once again everyone THANK YOU

sorry guys just a bad day feeling down buzzer system in rented property so even with phone unplugged it buzzes every room need to work out how to disconnect every buzz just brings it home what a mess I am in my whole family now gone only have my husband but he is at the end of his tether scared he will walk and I lose him too not looking for sympathy as there are worse off them me!!! some positive win stories please thanks everyone

Everyone once again thank you today not so good I have had to plug the phone back in to be able to work to get broadband yesterday I had 63 calls today not even 11am 28 calls so far my husband is on nightwork and going mental as he cannot get any sleep I am so scared to go to ccs or CAB because of my debt in case the recommend bankruptcy I am self employed contractor and my work involves supporting trading floors (mind you no work around in that field at the moment) so this would then bar me from working in that field if I was made bankrupt. I got a letter from my bank yesterday I have always made sure that I keep up with everything with them as I need them for my salary etc and now they are threatening to pull the rug from under me as they are concerned over my credit file!!!!! I want to fight back but feel so low - anyone out there won by them not having a CCA I have read so much my head is spinning I only seem to see court actions and then it depends on the judge.I flip between being positive and desperate I wish I could just stop crying I just crave some peace. I feel worthless and ashamed how could I end up from being comfortable having a good life to going to bed cold and hungry. Sorry bad day!!!!

Everyone THANK YOU so much for your words I can't tell you how much it means to me it has given me something I thought had long gone HOPE I am taking the advice and going for the CAG's to all of them and the first thing I done after my first post on here went home and unplugged the phone!!! AND YOU KNOW WHAT i INSTANTLY FELT BETTER What can I say CAG literally saved my life maybe we do have that angel on our shoulder as something pointed and helped me to find this site. Again reading some of the truely heart breaking stories on here makes you realise and be grateful for what you have got. Will let you all know how the story goes - THANKYOU

thank you everyone I felt so alone and now I know that I am not all your kindness and support has started me off again I am crying silly blonde!!!!