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Barclaycard Default


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Hoping for some assistance with this one.


On 28/07/2004 Barclaycard recorded a DEFAULT from a credit card account which appears on my credit report for an amount of £878.


I have sent a SAR to Barclaycard which specifically requests for a copy of a copy of the default.


The copy provided is an electronic print off of the text that was contained in the letter, and not a copy of the original.


I have noticed multiple discrepency's


1) The amount is different than that recorded on my credit report. It is lower.

2) The date is 5 months earlier than specified on the copy of the default. Therefore the date does not match.


Can anyone advise me on what legal implications this has. I think its invalid for 3 reasons


1) Incorrect amount.

2) Incorrect date.

3) Invalid copy.




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