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Barclaycard debt Resolved AP markers - now sold to LInk.

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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

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


 

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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


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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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?

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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.


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

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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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

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Can we have more info please...

 

DCA? OC? Amount? etc

Mercers, BCard,

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

 

Andy


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Mercer's are
Barclays
link3.gif
It's their in house
DCA
link3.gif
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

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


 

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UPDATE

I sent SAR last year (I know!).

 

 

I have looked through now and found that they sent me copy monthly statements in the SAR, with zero balances showing on all entries:

Present balance, credit limit, minimum payment due, purchase interest, open balance, closing balance and transactions.

Zero is showing on all as above on each month since June 2007!

 

I have not received any record of my monthly payments from Bcard, (made since 2007) since 2007.

 

My CRA reports show "arrangement to pay" and records the monthly payments there, but I do not get stats. directly from BCard.

 

 

As previous posts, a DN was sent in January 2007, and the requested payment was not made.

 

My question is: Do I stop paying, as clearly the account info shows zero balance, and they are not sending proper statements?

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Hi Tedney,

 

The CRA files should not be reporting "arrangement to pay" due to how long ago the DN was issued (2007).

 

If you stop paying now, it should not affect your CRA files at all.

 

If you last paid to the a/c in 2013 or 2014, the debt won't become Statute Barred until 2019 or 2020 so theoretically court action could be taken.

 

Did you ever send a CCA request for the a/c ?

 

:-)


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Did you ever send a CCA request for the a/c ?

 

:-)

Hello Slick

Thanks for that.

 

No I have never sent a CCA request. Part of the info supplied in response to the SAR was a sheet with a covering page:"Barclaycard Copy Apps" This is a copy of my application for the card, dated 12/05/2003, could I assume that they would rely on this as evidence of a credit agreement?

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As the a/c was opened before 2007, they would normally need a signed copy of the credit card agreement to win in court. However court action could be taken using just the application and a judge would decide on the day.

 

If you decide to stop paying, court action is the only way they could seek to enforce any remaining balance.

 

:-)


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If you decide to stop paying, court action is the only way they could seek to enforce any remaining balance.

 

:-)

 

Thanks again Slick

I suppose I could work out how much charges with restitutional interest I could try and recoup. Previously they have said "time barred" As the statements they have supplied now say "Zero" balance outstanding, I am thinking they cannot have it both ways, or can they! t

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Thanks again Slick

I suppose I could work out how much charges with restitutional interest I could try and recoup. Previously they have said "time barred" As the statements they have supplied now say "Zero" balance outstanding, I am thinking they cannot have it both ways, or can they! t

 

Dont lose track of the missing payments....misappropriation and false accounting springs to mind and can be quite persuasive in litigation:wink:


We could do with some help from you.

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Dont lose track of the missing payments....misappropriation and false accounting springs to mind and can be quite persuasive in litigation:wink:

Thanks Andy,

I have all my records!

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Hello Again

 

What would you think this means: " B. to ensure no data is reported regarding the account on your credit file"?

 

Do you think this would remove existing data, or nothing is reported going forward? If the latter, what would the benefit be to me, as existing info would still be accessible and affect credit rating?

Thanks

t

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Question i would like to ask as well

 

If the creditor has issued a default notice under 87(1) CCA 1974

 

That does not mean the creditor will terminate the agreement and demand payment, that is only giving the creditor that option if he so pleases after 14 days

 

If the OP still has current arrangement to pay updates on his credit file that tells me the agreement has not been defaulted or terminated and still live

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Obviously

Dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Obviously

 

Which One please?

 

!.Do you think this would remove existing data, or nothing is reported going forward?

 

Or

 

2. If the latter (nothing is reported going forward), what would the benefit be to me, as existing info would still be accessible and affect credit rating?

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Hi Ted,

 

Hello Again

 

What would you think this means: " B. to ensure no data is reported regarding the account on your credit file"?

 

Do you think this would remove existing data, or nothing is reported going forward? If the latter, what would the benefit be to me, as existing info would still be accessible and affect credit rating?

Thanks

t

 

Can you tell us the context in which this was said and by whom.


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Thanks !:-)

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