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SA1978

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  1. Hello, Back in 2013/14 I run into some money troubles and couldn't meet the minimum payments on my Barclaycard. I called them and agreed a payment plan for 12 months. At the end of the 12 months my finances were reviewed again by Barclaycard and the gentlemen on the phone agreed another payment plan. Note, all payments were made every month without fail. Even received a text message to say a new plan was agreed. however when trying to obtain some credit elsewhere I was declined i got my credit report and notice Barclaycard/Mercers were giving me late payments even though I was meeting the agreed payment plan. When I called them regarding the late payments they said this was because this was only token payments and they could no longer accept the £50 per month plan. I managed to raise the 7k a few months later to clear the debt in may 2014. However these late payments on my file are stopping me from being able to remortgage. My argument is if I had known I was going to get late payments on my Credit file I may as well of not bothered paying anything. I have asked Barclaycard to amend the credit report as I was making the agreed amount but they have refused. Does anyone know if it worth taking this FOS? Or of any other steps I can take? Thanks
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