Barclaycard/Mercers

[SA1978]

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

[citizenB]

Start off with a formal complaint to them via their Head/Registered office. Head your letter Formal Complaint, send by a tracked mail service.

 

Advise you do not consider they are treating you fairly.

 

I think it has always been the case, that where people don't pay at all then their record is clear after 6 years (unless a claim is issued against them) . Where people are in an arrangement to pay, this gets recorded on the file for the duration of the account.. and then.. stays on for a further 6 years and this is indeed not fair at all.

 

So the moral of the story is.. don't pay and it goes away.. do pay and have your credit file trashed for a further 6 years !

[dx100uk]

you are lucky you didn't get defaulted

or the dreaded AP markers [they stay forever!]

 

 

a Default is there for 6yrs regardless to if you pay the debt off or not

and will kill a mortgage dead.

 

 

theres nothing that they have done wrong here

 

 

a payment plan is a monthly arrangement, not in keeping with the normal amount.

they are entitled to mark your file.

 

 

cant see what you can do here

unless they were levying PENALTY [£12] fees or PPI too?

 

 

dx

[slick132]

Hi SA and welcome to CAG

 

As already said above, despite your honest efforts to service the debt, your CRA files will show the a/c as in arrears. I don't think you have grounds for a complaint.

 

Your only chance of changing this, in my opinion, is if there are penalty charges and/or PPI that you could reclaim. If there was a significant amount reclaimable, you could argue that the reported arrears figures are inaccurate. I'm not sure this is likely to help you though, as you appear to have acted quickly when you got into difficulties.