Barclays Default Removal! - HELP!

[xkwisit2001]

I have had a Barclays account from the age of 16 and I am now 23.

 

 

In December 2012 I changed bank to Natwest and

 

 

I had gone into my Barclays branch to change the account to a free one as I was on the current account plus paying £6.50 I believe.

 

In February I changed address and

 

 

I sent off the change of address form to get the address changed to my new one and

 

 

Ive not used my Barclays account since until I decided to transfer money into it and the money was bouncing back.

 

A week ago I tried logging into my Barclays online account and

 

 

found my account had been closed

 

 

II had around £10 in the account at the time of moving account as I moved the money too

 

today I received an Experian notification to say a change had been made to my account

and to my surprise it is a DEFAULT NOTIFICATION from Barclays for £27!!!

 

I immediately went into the branch to sort this issue out and

 

 

to cut a long story short

 

 

I have been told that I need to call the debt collectors to pay the money and they will satisfy the account…

I let them know that I had not even had any correspondence to say anything was wrong

and then I find the address they have on file is my OLD address which is where all the correspondence had been going to.

 

I have argued the fact that

 

 

1 the address should have been changed and

 

 

2 the money owed is because my account was in the minus for X amount of time

yet it was because they kept on taking out the monthly amount for the current account plus

when I should have even been on it in the first place when I made the change In December.

 

Now I have just been advised to call a number which is in Manchester and let them know I am unhappy about the situation and go from there

 

The way I see it is that I shouldn’t even owe any money to them in the first place and they are going around closing my account and issuing a default

 

Can anything be done about this as I am supposed to be getting my mortgage in 2 months and I now have a default

 I am panicking at the moment also because I have a baby on the way

and this £27 default is going to ruin everything if I cant get it sorted in time.

 

Help?

[slick132]

Hi XK,

 

1. Do you have a copy of the letter or email (and a copy of the CoA form) you sent notifying B's of the change of address.

 

2. Do you have anything at all in writing that acknowledged your request that the a/c be changed from a monthly fee a/c to a free one.

 

3. If the answer to 2 is "no", would you recognise or recall the staff member who dealt with your request for the a/c to be changed to a free one.

 

Getting this sorted may not be as quick or easy as you'd like as Barclays will often refuse to remove an adverse CRA marker or a default notice. With that in mind, I suggest you do 2 things immediately:-

 

* Write to the CRA(s) to confirm your objection to the specific adverse data, on the basis that the matter is being disputed in writing.

 

* Send Barclays a SAR with the £10 fee to obtain details of all the data that they hold about you.

 

The SAR response will hopefully show you what happened and when.

 

Give us some answers and we'll try to help. Also, read around the appropriate forums here to see how others have dealt with similar problems.