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Unsecured Loan still being reported on credit file - Barclays


Marmite58E
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I took out an unsecured loan in 2006 with Barclays and due to financial problems stopped payments in 2008.  

 

I am trying to get my credit report in order and noticed that they are still reporting on it as OK.

 

I recently sent an SAR to Barclays and all they have provided me with is a handful of arrears notice letters dated 2008.

 

I really want to get this entry removed from my credit file - what do you suggest?

 

Any help appreciated.

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it should not be showing its statute barred.

 

now as this is showing as OK...it will not be harming you at all in terms of your score ...so why do you need it removed? idiot mortgage broker ?

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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I would like it removed as I am wondering whether if it is affecting my credit score with it being still active.  Also I am wanting to remortgage and it will not help my cause.

 

I did originally ask Barclays if they would remove it, but they said no - should I ask if they have a credit agreement?  And why is it still showing if I have made no payments?

 

The balance remains the same month after month, year after year.

Edited by Marmite58E
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How much was it for and was it a mortgage type advance ?

 

Andy

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if its showing as ok it cant be harming your score.

shouldn't hurt a re mortgage with your existing lender?

 

 

 

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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Share on other sites

well its not defaulted and they wont see it unless you tell them.

all they are interested in mainly is the score, don't forget a credit file is not the only way they decide.

people in this current climate are getting mortgages even with defaults.

you shouldn't have any issues.

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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