HELP ! Barclaycard contract from 1987 doesn't allow info to be exchanged but they have registered a default notice !

[melsy784]

Please can someone provide me with some advice as to whether I can have a default notice removed from a credit file under the following circumstances....

 

My husband signed the contract for a barclaycard - which we have been provided with a copy back in 1987.

 

The contract does not state that information may be exchanged with other credit reference agencys however Barclaycard registered a default notice on his credit file in 2005. The account is now closed and a part settlement was made but we really need to have the default notice removed as we are struggling to get some essential finance with this default on his credit file.

 

We have written to them and the Information commissioner but they still refuse to budge

 

Can anyone advise me as to whether I could sue them for breach of contract or is there another avenue I could try ???

 

Many Thanks !

[dx100uk]

"The contract does not state that information may be exchanged with other credit reference agencys however Barclaycard registered a default notice on his credit file in 2005."

 

but the T&C from that era does surely as does evey other creditcard.

 

dont think there is anything you can do.

 

is this a default or a late pAYMENT, HAVE YOU sar'ED THEM TO SEE [oops] if they issued you with a valid default notice

that might poss be the only way.

 

dx

[ncf355]

I disagree DX100!

 

I would have thought that unless BC can show a link between the original credit agreement, and an agreement allowing data to be processed they are screwed and the OP could contact the ICO to complain

[melsy784]

Thanks for the replies - just to clarify

 

The terms & conditions are contained within the signed agreement that they provided and do not state information can be exchanged

 

He has already complained to the information commissioner who do not want to no ! They sent a fob off letter saying that there is nothing they can do to force BC to remove the default notice :-?

[vjohn82]

Can you post up a copy of this contract?