Link Default / Barclaycard Credit File Markers - Removal

[wolvaughan]

I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report.

 

I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015.

 

Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted.

 

I was on a DMP until recently when I sent a section 78 request to Link and stopped paying.

They did not comply with the request and subsequently issued a default notice.

There is a note within the documents received following the SAR request that would indicate that the debt is unenforceable.

 

I am looking to obtain a mortgage in the summer and these two accounts will prevent me from doing so.

 

Should Barclays have defaulted me when I missed 3 month payments?

Can Link default me as they aren't the original creditor?

Should the debt be removed from my credit file as it's over 6 years old since I breached the original T & C's?

How do I go about remedying this?

 

Thanks.

[dx100uk]

the mortgage co. can only see what is in the debt summary line not the calendar markers.

 

if the debt show AP without stating a defaulted date in the summary then AP is a real bugger to get removed.

 

your issue is whichever way you go, the debt even if you get it correctly marked as defaulted with a date, that will still only be in the 2015 date range.

 

a default stays on your credit file for 6yrs regardless to if you are paying or not, or paid off or not.

 

moved to the BC forum.

[wolvaughan]

Shouldn't Barclays have defaulted me in 2011 when I missed 3 or more payments, as all my other creditors did, meaning that it should have dropped off my file in 2017?

 

Also can Link default me as they are DCA's and not the OC?

 

I thought I'd read somewhere that an account couldn't be assigned if it wasn't defaulted first?

[wolvaughan]

Also the Default marker on my credit report has been placed whilst my account is in dispute following the Section 78 request, I didn't think they could do this either?

[dx100uk]

Can be sold yes. Debt buyers can't register defaults they are not a creditor. But that's immaterial

 

Write to Barclaycard with proof of the 3rd missed payment. Point out that the ICO guidelines at the time stated 3-6 mths for a default and they have failed to default you rather used the AP marker for xx yrs which is unfair..please default the account on date or you'll raise a formal complaint with the ICO and sheen financial compo as you are trying for a mortgage and had they correctly defaulted the account re guidelines it would not be showing now

[wolvaughan]

Thanks for your help, I assume if it get sorted with Barclaycard then Link shouldn't be reporting either?

[dx100uk]

You send them a copy of the BC letter correctly stating the default registering in 2011 and demand they remove the account as it should not be showing else I CO etc

[dx100uk]

account in dispute = im on double yellow lines but have my hazards going so i'm immune from you doing anything to me...2 urban myths sadly