Barclaycard Default date

[Falcokeith]

I have 2 Barclaycard (Ex-Egg accounts)

 

They were defaulted in March 2012 but my credit file shows them as marked 6 monthly since November 2009.

 

Should they have been defaulted earlier?

 

 

Is there anything I can do to change the date?

 

They would have become Statute Barred later this year if I had been defaulted in 2009

[Stigman]

The Statute Barred date goes from the date of either your last payment made or the date of a last written acknowledgement f the debt, not the default date.

 

Are these debts still with Barclaycard or have been sold?

 

Stigman

[slick132]

Hi Falco,

 

The SB'd date is the subject of much debate but, in your case, the finer detail is probably less relevant. It's clear that the default was placed very late, compared to when it should have been.

 

The SB'd date is not when you last paid to, or acknowledged, the debt. It's the date when the lender had the right to demand ful payment because you were in arrears. This will normally be approx 2 months after the last pay't or acknowledgement.

 

Do you know exactly when you last paid to the a/c ?

 

[Falcokeith]

Hi,

These debts are currently still with Barclaycard but they admit to no CCA's

Unfortunately I continued to pay reduced payments with no interest on these accounts, in hindsight would have been better to stop paying, get defaulted then deal with them

[slick132]

Hi Falco,

 

You didn't reply to my Q above - Do you know exactly when you last paid to the a/c ?

 

[Falcokeith]

Last reduced payment was made October 2014

I appreciate I said the wrong thing regarding Statute Barred I really meant to say that it would come off my credit file 6 years after default date

[slick132]

Hi Falco,

 

Ok, so you're miles from this being SB'd.

 

But the adverse markers on your CRA files should drop off approx 6 years from when the a/c was first defaulted , or when it SHOULD have been defaulted if the bank or DCA had acted in a timely manner.