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Hi

 

I approached barclaycard to discuss financial problems due to covid and partner losing job in addition to poor mental health.

The advisor advised I didn't have to pay that particular months credit card bill and instead I could pay a reduced monthly amount of £50.00.

 

I agreed and paid the £50 and he offered me a repayment agreement upon receipt of an expenditure form.

I decided that rather than enter into any agreement which may affect my credit score I would borrow money from family members and meet the barclaycard commitment of £150 per month.

 

The advisor was aware of my concerns regarding credit score impact however reassured me this reduced payment offer was for December only and was a goodwill gesture.

I have now been awarded a default on my credit file .

 

What can I do

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i would suggest this is not a default as in terms of a registered defaulted date via a default notice sent to you, but merely a D or 1 in the calendar section of your credit file?

 

did you pay the required monthly payment by the normal due by date?

if not, then it's a correct late marker

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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