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Luco19

Barclaycard default on my credit file -not my debt!!!

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From March of this year i have been having Barclaycard registering a default on my credit file for an account that does not belong to me and registered to an address i have never lived at.

 

However the name and DOB is the same as mine apart from this other person has a middle name and i do not.

 

I contacted the CRAs about this problem but they say they will not remove it unless Barclays tell them they can.

 

I have sent a SAR to Barclays on the 5/6/18 but so far ive not even had an acknowledgement from them.

 

This is not the first time this has happened with Barclays as they also registered a CCJ to me back in 2003 by mistake and again in 2010,

i managed to get my credit files cleared but again they have made the same mistake again,

looking to get this resolved asap and i want compensation for the problems they have caused me over the years.

 

Any advice and suggestions of what i could do next would be great thanks.

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Thats a great link i didnt even knew existed.

 

 

Thanks for that.

 

 

Should i wait until i receive a SAR back from them before i contact them ?

 

 

Thanks.

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Hi Luco,

 

Before you proceed, can you give us a brief bullet-point summary of dates and events so this can be reviewed to get you the most appropriate advice.

 

There may be interest in your case from our Site Team that will give you a better chance of getting the best result after the errors by the bank and DCA.

 

:-)


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I have already referred to the use of the CEO email on your Lloyd thread.

 

This is far too serious a problem to allow it to be dealt with in house. As I understand it this problem of mistaken identity is a recurring problem and has been going on since 2003. If you simply contact Barclays CEO by an email this will allow them to deal with it internally and you have no idea whether they are simply going to have a little sorting out internally and it will happen again at a later date.

 

I think it is now the time to take things outside and to get formal decisions/judgements so that it is unequivocal. You should not put these people in a position where they can tidy up their mistakes.

 

I certainly think you should wait until you receive the SAR. You have waited a long time before submitting your SARs on 25 May under the new GDPR and you don't have much longer to go. I'm quite convinced that you need a slowly slowly approach here. Gather together all the information and then start making formal complaints – and of course we will help you.

 

 

-----------------------------------------------------

Now here is a rather dramatic suggestion – which I hope you won't think is too demeaning or smacks of capitulation.

 

Clearly there is an ongoing problem here. You have had to put up with it for 15 years. You have a very common name and this probably made more difficult by your lack of the middle initial. Although you could stand your ground and refuse to move – it seems to me that even if you sort it all out this time, there is nothing to stop it happening again – and again.

 

Have you ever thought of changing your name by deed poll simply to give yourself a middle name – or even two of them so that your name becomes distinctive. I am aware of your name and I know that it is a pretty common name (not Jon Smith!).

 

If you gained two middle initials then I think it would put paid to this problem once and for all. It's not very expensive to do although it is a bit of a nuisance getting documents altered. However, it might be worth considering forcing one of the banks or Volkswagen on your other identity issues to organise and to pay for the process as part of any eventual deal.

 

Of course you may consider that it is insulting to have to modify your name – and I can't say I would blame you. On the other hand, for a quiet life, maybe it is a good idea to acknowledge that sometimes you can't beat the system!!!

 

Changing your name by deed poll


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Hi Luco,

 

Before you proceed, can you give us a brief bullet-point summary of dates and events so this can be reviewed to get you the most appropriate advice.

 

There may be interest in your case from our Site Team that will give you a better chance of getting the best result after the errors by the bank and DCA.

 

:-)

 

 

Please bear with me on this one as some of the information is by memory and as you can understand this has been going on quite a while.

 

 

 

  • In 2002 ish i received a phone call from a debt collection agency (cant remember who) asking as they do is that MR xxxx , i obviously said yes it is, they said it was in relation Barclays, i told them i had never had any dealings with Barclays.
  • In 2003 applied for remortgage and declined told to check credit report.
  • Checked credit report and found CCJ on my file from Barclays.
  • Sent numerous letters to Experian, Barclays, County Court.
  • 2004 received reply from Barclays stating Default removed and CCJ set aside.
  • 2010 started having problems with Lloyds Bank after being refused credit
  • 2013 credit report from Equifax shows a default for another Barclaycard.
  • 2018 address links made by O2 added to call credit , checked file same account with default added again by Barclays (2013)
  • Complaint to Call credit about address links and numerous defaults on credit file from various lenders,
  • O2 which made the address links did not respond within 28 days so all information on credit file was supressed for now, but stated these could reappear at any time.

I hope this helps a little, on my call credit report it did not help matters that 'SOMEONE' had changed my electoral roll entry without any permission or legal documents from myself, they will NOT answer the question why this happened.

 

Is this issue related to 1 or all the CRAs ?

 

 

This issue over the years has been all 3 CRAs , 2018s entry has been with call credit only at the moment.

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I have already referred to the use of the CEO email on your Lloyd thread.

 

 

Now here is a rather dramatic suggestion – which I hope you won't think is too demeaning or smacks of capitulation.

 

Clearly there is an ongoing problem here. You have had to put up with it for 15 years. You have a very common name and this probably made more difficult by your lack of the middle initial. Although you could stand your ground and refuse to move – it seems to me that even if you sort it all out this time, there is nothing to stop it happening again – and again.

 

Have you ever thought of changing your name by deed poll simply to give yourself a middle name – or even two of them so that your name becomes distinctive. I am aware of your name and I know that it is a pretty common name (not Jon Smith!).

 

 

Changing your name by deed poll

 

 

I totally see where you are coming from on this and although i have had this thought many times i have dismissed the idea through " why the hell should i through there incompetance"

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I hope this helps a little, on my call credit report it did not help matters that 'SOMEONE' had changed my electoral roll entry without any permission or legal documents from myself, they will NOT answer the question why this happened.

 

 

 

 

 

this is new. I don't recall seeing or hearing about this anywhere. Please can you tell us more.


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I totally see where you are coming from on this and although i have had this thought many times i have dismissed the idea through " why the hell should i through there incompetance"

 

I agree with you completely. On the other hand, systems are becoming more computerised and more automated and at some point you are in danger of receiving visits from bailiffs who will not have the authority to back off and who won't believe you anyway and the whole thing might end up prejudicing your quality of life and peaceful existence even more than what is going on at the moment.

 

Even when you eventually sought this lot out – as you surely will – there is a huge danger of it happening again – and maybe when you are very much older and don't have the resilience and the strength to go to deal with it and in that case it will crush you


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Bankfodder - May i intervene here?

 

Luco - Ima tell you a story about family... One that you may find might be worth a check - This was related to Barclays and Callcredit.

2 of my younger brothers logged onto Noddle to find information for other people on their CRAs. It was only Callcredit. However this is where it sounds so familiar.

 

The other peoples info was... Each others... IE - Brother 1 could see their own info and Brother 2's info plus Vice Versa.

We originally thought it was Barclays. We raised a formal complaint to their CEO. IT was picked up. Both bank with Barclays.

I also referred my brothers to Callcredit and asked them to formally investigate this. Callcredit took 3 weeks.

 

After a formal investigation - It was found that Barclays were not at fault however Callcredit were... Callcredit's automated information management algorthms had decided that in Dec 2016 it would merge the datasets of 2 people together.

 

Both individuals have different names bar the final name and different Dates Of Birth...

But might be worth you considering... They may have done this across all 3 CRAs...


**Fko-Filee**

Receptaculum Ignis

 

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Thank you. That is very helpful. This sounds like a very plausible scenario. The CRA's always try to say that they are not data controllers/processes and that they simply hold the data – but I have always doubted it


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just to let you all know what is happening regarding the matter with Barclays.

 

 

They have failed to even acknoweldge my SAR, i have my signed for receipts obviously and want to know what the procedure is now, what i have read online does not make a great deal of sense as regards to unanswered SARs, according to the ICOs site i must now send them a reminder and give them 28 days to respond ??

 

 

I thought the whole purpose of these new GDPR rules was to get a full response within 30 days otherwise they would be in breach.

 

 

Advice appreciated.

 

 

Thanks.

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Hi Luco,

 

Send B's a copy of the SAR letter, confirm the date and address from which it was signed for, and demand a reply within 14 days.

 

What address did you use for the SAR ?


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