Barclaycard debt Resolved AP markers - now sold to LInk.

[tedney]

Hello

I am "tidying up" my credit files!

 

In January 2007, I received a Default Notice for a Barclaycard account.

 

A few nominal payments were made and then, since June 2007, I have been paying a regular monthly amount, without missing any payments.

 

My credit file with Noddle shows that this account is under "an arrangement to pay" and does not show the Default.

Additionally, some of the monthly entries, although showing "AR" for all months, also state that "the lender hasn't been able to give the account status for this month".

 

The Balance History is reducing monthly, in accordance with the payments made but the Payment Amounts recorded on the file

do not reflect all the monthly payments, and the Statement Balances shown are all for the same amount,

the Balances do not reflect the monthly payments and the Balance History.

 

I have raised a dispute with the CRA.

 

Am I correct in thinking that, as I received a Default Notice in January 2007,

this account really should not be shown on my credit file now?

What is the best course of action to get it removed?

 

Thanks t

[tedney]

Hello

I am "tidying up" my credit files!

 

In January 2007, I received a Default Notice for a Barclaycard account.

 

A few nominal payments were made and then, since June 2007, I have been paying a regular monthly amount, without missing any payments.

 

My credit file with Noddle shows that this account is under "an arrangement to pay" and does not show the Default.

Additionally, some of the monthly entries, although showing "AR" for all months, also state that "the lender hasn't been able to give the account status for this month".

 

The Balance History is reducing monthly, in accordance with the payments made but the Payment Amounts recorded on the file

do not reflect all the monthly payments, and the Statement Balances shown are all for the same amount,

the Balances do not reflect the monthly payments and the Balance History.

 

I have raised a dispute with the CRA.

 

Am I correct in thinking that, as I received a Default Notice in January 2007,

this account really should not be shown on my credit file now?

What is the best course of action to get it removed?

 

Thanks t

[fkofilee]

Technically yes, after 6 years the default should disappear but im not sure if there any special situations that it wont disappear for...

[fkofilee]

Technically yes, after 6 years the default should disappear but im not sure if there any special situations that it wont disappear for...

[dx100uk]

if the defaulted date in the debt summary is prior to 6yrs

the debt should not be showing.

 

any debt , paid or otherwise, should totally vanish on the defaults 6th birthday.

 

dx

[dx100uk]

if the defaulted date in the debt summary is prior to 6yrs

the debt should not be showing.

 

any debt , paid or otherwise, should totally vanish on the defaults 6th birthday.

 

dx

[tedney]

if the defaulted date in the debt summary is prior to 6yrs

the debt should not be showing.

 

Thanks, there is no default date shown in the CRA's debt summary, but I received a Default Notice in January 2007. The account is showing "Arrangement to Pay" but as in post #1, details are also incorrect. Should I write to debtor and ask for details to be removed?

[tedney]

if the defaulted date in the debt summary is prior to 6yrs

the debt should not be showing.

 

Thanks, there is no default date shown in the CRA's debt summary, but I received a Default Notice in January 2007. The account is showing "Arrangement to Pay" but as in post #1, details are also incorrect. Should I write to debtor and ask for details to be removed?

[BRIGADIER2JCS]

Hello

I am "tidying up" my credit files!

 

In January 2007, I received a Default Notice for a Barclaycard account.

 

A few nominal payments were made and then, since June 2007, I have been paying a regular monthly amount, without missing any payments.

 

My credit file with Noddle shows that this account is under "an arrangement to pay" and does not show the Default.

Additionally, some of the monthly entries, although showing "AR" for all months, also state that "the lender hasn't been able to give the account status for this month".

 

The Balance History is reducing monthly, in accordance with the payments made but the Payment Amounts recorded on the file

do not reflect all the monthly payments, and the Statement Balances shown are all for the same amount,

the Balances do not reflect the monthly payments and the Balance History.

 

I have raised a dispute with the CRA.

 

Am I correct in thinking that, as I received a Default Notice in January 2007,

this account really should not be shown on my credit file now?

What is the best course of action to get it removed?

 

Thanks t

The default notice has no relevance to the actual default date it merely gives you a set period to put the account into a compliant state if you entered into an arrangement to pay at this time the account may not have been defaulted at all or will only be defaulted if the creditor decides to sell it on.

[BRIGADIER2JCS]

Hello

I am "tidying up" my credit files!

 

In January 2007, I received a Default Notice for a Barclaycard account.

 

A few nominal payments were made and then, since June 2007, I have been paying a regular monthly amount, without missing any payments.

 

My credit file with Noddle shows that this account is under "an arrangement to pay" and does not show the Default.

Additionally, some of the monthly entries, although showing "AR" for all months, also state that "the lender hasn't been able to give the account status for this month".

 

The Balance History is reducing monthly, in accordance with the payments made but the Payment Amounts recorded on the file

do not reflect all the monthly payments, and the Statement Balances shown are all for the same amount,

the Balances do not reflect the monthly payments and the Balance History.

 

I have raised a dispute with the CRA.

 

Am I correct in thinking that, as I received a Default Notice in January 2007,

this account really should not be shown on my credit file now?

What is the best course of action to get it removed?

 

Thanks t

The default notice has no relevance to the actual default date it merely gives you a set period to put the account into a compliant state if you entered into an arrangement to pay at this time the account may not have been defaulted at all or will only be defaulted if the creditor decides to sell it on.

[dx100uk]

I suspect that an sar to the OC will be needed to here.

 

dx

[dx100uk]

I suspect that an sar to the OC will be needed to here.

 

dx

[tedney]

Over 6 years ago,

I received a DN from a DCA issued on behalf of a OC for a credit card.

 

I have been paying a small some off each month continually since,

but I have not received any statements from the OC since 2007.

 

The account is shown by the CRA's as "under an arrangement to pay",

no record of the DN, and it continues to be shown on my credit reports,

even though the date of the default is over 6 years ago.

 

The statement balance is shown unchanged each month,

and yet the monthly payments are also indicated.

I have only just realised all of this:oops:.

 

I have asked for the account to be removed as a DN was issued.

 

What are the chances?

Any advice would be appreciated. Thanks. t

[tedney]

Over 6 years ago,

I received a DN from a DCA issued on behalf of a OC for a credit card.

 

I have been paying a small some off each month continually since,

but I have not received any statements from the OC since 2007.

 

The account is shown by the CRA's as "under an arrangement to pay",

no record of the DN, and it continues to be shown on my credit reports,

even though the date of the default is over 6 years ago.

 

The statement balance is shown unchanged each month,

and yet the monthly payments are also indicated.

I have only just realised all of this:oops:.

 

I have asked for the account to be removed as a DN was issued.

 

What are the chances?

Any advice would be appreciated. Thanks. t

[fkofilee]

Can we have more info please...

 

DCA? OC? Amount? etc

[fkofilee]

Can we have more info please...

 

DCA? OC? Amount? etc

[tedney]

Can we have more info please...

 

DCA? OC? Amount? etc

Mercers, BCard,

[tedney]

Can we have more info please...

 

DCA? OC? Amount? etc

Mercers, BCard,

[fkofilee]

Mercer's are barclays It's their in house dca arm

[fkofilee]

Mercer's are barclays It's their in house dca arm

[AndyOrch]

DSAR find out where all your missing payments have gone.....I would assume its been wrote off hence the lack of statements.

 

Andy

[AndyOrch]

DSAR find out where all your missing payments have gone.....I would assume its been wrote off hence the lack of statements.

 

Andy

[tedney]

Mercer's are

Barclays

It's their in house

DCA

arm :-)Thanks for that fkofilee

 

DSAR find out where all your missing payments have gone.....I would assume its been wrote off hence the lack of statements.

 

Andy

Ok Andy, thanks for that, I will action and see what it brings. Regards t

[tedney]

Mercer's are

Barclays

It's their in house

DCA

arm :-)Thanks for that fkofilee

 

DSAR find out where all your missing payments have gone.....I would assume its been wrote off hence the lack of statements.

 

Andy

Ok Andy, thanks for that, I will action and see what it brings. Regards t

[fkofilee]

Can I just add... Mercer's from my experience are relatively harmless, however I would still watch your back with any DCA