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Barclaycard Default date wrong? - HELP! ***Resolved with compensation ***


dfleetwood87
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Good evening.

 

I have noticed a discrepancy on my credit file.

 

I have a default on file that was paid off in full after they defaulted me. I hold my hands up and admit to the default, no issues there.

 

The thing that's annoying me is it looks as though Barclaycard defaulted me 12 months too late? As you can see from the image attached, I should have defaulted around June or July 2015 but instead they defaulted me in June 2016.

 

Looking at this, what chance have I got of getting this amended? I appreciate the 3-6 month default is only guidance but I feel they have done me over here.

Can I please get some advice?

 

Please see this image for the entries on my Experian file - 

 

Thanks in advance!

credit file.pdf

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  • dx100uk changed the title to Barclaycard Default date wrong? - HELP!

the ICO guidelines changed in 2014 to no longer inc the 3-6mts guidance.

 

why is it's removal so important too you please?

 

dx

 

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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Thank you for your response. This is the only default on my file now and we are in a position to buy a property. Before contacting barclaycard, I just wanted some clarity. Seems weird how they add an additional 6 in the 7th month of missed payments but then default me after missing the 6 payments later on.

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there are no dates upon your picture so difficult to understand what it means

one paid off  default should not stop you getting a very good deal with even prime lenders in the current climate, they are falling over offering deals.

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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Balance of £0 is September 2014.

First time it is 6 months missed payments was June 2015.

They then add an additional 6 in July 2015.

Then in June 2016 they add the default.

 

My argument is, if they defaulted after 6 missed payments in June 2016 why not default after 6 missed payments in June 2015.

 

Doesn’t really make any sense to me.

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then they could have defaulted you 1st in march 2015

 

IMHO no harm in asking but i can't see it being even a prime mortgage application issue.

 

 

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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  • 3 weeks later...

An update on this one. Barclaycard admit wrong default date. They have gave me £200 compensation for the impact this has had on my credit file and also reimbursed the interest + charges for the period also. Total reimbursement - £421.

 

They have also removed the credit card from my credit file.

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Well done so a positive outcome....topic title updated.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • Andyorch changed the title to Barclaycard Default date wrong? - HELP! ***Resolved with compensation ***

wel done very important win.

 

dx

 

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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