Jump to content

Removal of late payment

Recommended Posts

I need some advice. I have applied for a mortgage and the adviser has told me that a late payment from Barclays for £78.13 (it's not a default) has shown up on my credit file. I was shocked to find that Barclays have put a missed payment marker on for July 2020.


On 5th November 2019 I arranged to transfer the balance of my credit card to Virgin as it was 0% interest.  I called Barclays and  asked for the balance.  I transferred £6000.  Barclays said the balance was £5980.00 .  I transferred £6000.  This was paid and then transferred to Virgin.  My first payment to Virgin was in January 2020. 


I thought that this was the end of it and didn't hear anything from Barclays until 7th July 2020 when they wrote to me and said that there was an outstanding balance of £78.13 for the months of June, July and August.  I called them on 26th August to dispute this and I paid the outstanding amount of £78.13 which they said was for January, February and March. 


They are saying that I owed this but I heard nothing from them between  5th November 2019 and 7th July 2020 when the missed payment must have been sent to the CRA's.  


As this missed payment if affecting my credit file I would like to write to them and ask that as a gesture of goodwill they immediately remove this missed payment record from my credit file with all CRAs they use including Experian and confirm in writing to me that this has been done.


I will be asking for all correspondence that they have sent me between 5th November and 26th August and also copies of all calls and transcripts.


Thanks guys....Advice appreciated

Link to post
Share on other sites

Don't expect any goodwill from Barclays.

Send them an SAR immediately. If there is something in the disclosure which shows that they gave you this information – then you are in a strong position to get changed. Otherwise I'm afraid there is probably nothing you can do.

Link to post
Share on other sites

Go get a proper advisor then

even a few defaults dont stop a prime mortgage in todays low interest environment.



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... 

Link to post
Share on other sites

Has your advisor told you that it's stopping you getting the mortgage?

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...