Jump to content


Unsecured Loan still being reported on credit file - Barclays


Marmite58E
 Share

Recommended Posts

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.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Posted (edited)

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
Link to post
Share on other sites

How much was it for and was it a mortgage type advance ?

 

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

 

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

 

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

Link to post
Share on other sites

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... 

Link to post
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... 

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
 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...