Aged Debts

[dx100uk]

so which 2 are you still paying and why?

dx

 

[tedney]

Link for CCJ on MBNA credit card and Barclaycard loan

[dx100uk]

this debt:

MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group

and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?
 

 

[tedney]

DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28.

The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised!

Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account.

I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!

 

Update!

I have now opened the mail from Barclaycard. I am assuming that their letters were prompted by my confirmation to them of my change of address, which I had advised them of twice.

They are treating my change of address notification as a "General Data Protection Regulation Right of Access Request"  and state that I have made a "Right of Access Request. They are asking me to provide valid indentity documents!

I have made no such request and am minded to ignore their request for extra information?

I should add that their letters were sent to my correct current address!

[London1971]

Sounds usual to me, it's happened to me before. Also the CCJ payment review is normal, they do it every year normally.

[AndyOrch]

1 hour ago, tedney said:

I should add that their letters were sent to my correct current address!

Then thats all that matters they have your correct address.

General Data Protection Regulation Right of Access Request is a DSAR request 

 

 

.

.

[tedney]

Now received a pack from Barclays Marked " Personal Data Request" and "Start of Right of Access Response"

It was sent by their General data protection Team and includes details for a loan account and a credit card.

The loan details includes a copy of a signed Credit Agreement regulated by the Consumer Credit Act 1974, signed by me and dated 2/9/2004. It refers to Terms and conditions overleaf, but copies of these were not included in the package just received. The Original Loan expiry date was September 2009.

Barclaycard:

Their records indicate Last Billed 15/03/2024 (not rcvd. by me)

Last date account in order and not delinquent 15/03/2024.

Date account closed 31/12/9999 (!),

They show "Account not in Collections" and last payment posted 16/04/2007(!)

also Last Payment Recorded as 02/10/2023.

In their memo Details section: Section 78 Outcome "unenforceable" recorded on 12/10/2023.

As stated in this thread, I had been paying off both the loan and card.

I had stopped paying the card but am still paying the loan's nominal monthly payments.

 

[dx100uk]

if the loan is still owned by the original creditor and not a dca then continue paying.

dx

[tedney]

OK dx thanks

[tedney]

On checking through all the loan documents,

should I have expected to see all statements for the loan account?

I only got copies up to May 2015.

The account is still current and I have been receiving, albeit by forwarded Royal mail, 3 monthly statements.

Hopefully they act on my new address advice to them sent last September!

[dx100uk]

no harm in the reminding them you've moved.

 

[tedney]

As per previous dx post #36, I sent reminder to Barclays Loan on May 22nd asking for written response by return that they have my current address. To date nothing received. I have now, 28/6,  sent another reminder today to their DSAR department!

No statements have been received at present address, and last statement sent to previous address was September 2023. Previously I have also received every 4 months an arrears notice too but not received lately.

t

[tedney]

On checking my "Soft Search" info on my credit file, I see that Barclays Bank plc have soft searched my file 7 separate times since May 2024. Each search is marked "Affordability" and each has the following abbreviations noted: (SA, SR, TAC, CT, R, CVAL, COSMOS)

Anyone know what these letters may refer to please?

I realise that soft searches are not supposed to affect my report. Apart from receiving their DSAR package, I have had no other correspondence with Barclays.

Thanks

t

[dx100uk]

ask the CRA provider what they mean.

 

[AndyOrch]

34 minutes ago, tedney said:

Anyone know what these letters may refer to please?

Its when you use a comparison site for quotations.

 

Andy

[tedney]

I asked the CRA, this is their reply, but it doesn't really help as it still doesn't give meanings:

"The search abbreviations listed on your report are specific identifiers that organisations agree with TransUnion to identify their search requests. They don’t impact your score and are not seen by lenders when applying for credit, they are only listed as part of the footprint."

I suppose I could ask Barclays as to what and why they are searching my file for? Other searches, not by Barclays, do not list the same abbreviations.

I have not used any comparison sites!

I think maybe their searches maybe connected to my recent correspondence with Barclays, but that correspondence did not involve any new financial matters, so the "Affordability" reason they gave is not correct. To search 7 times, on three occasions two entries with the same dates seems unreasonable.

I appreciate that other organisations allegedly "cannot see" these searches, but it would seem that Barclays may have another motive for their searches? If these searches are inocuous, why are they listed and stored on the file. If the subject of the file cannot know what the searches really mean?

Thanks

t

 

[dx100uk]

8 minutes ago, tedney said:

If these searches are innocuous, why are they listed and stored on the file.

because they have to.. to abide by at least gdpr rules. and probably conc too.

[tedney]

Silly Question!

Am I correct in thinking that when a soft search to a credit file is made by a financial organisation, the searcher will see the basic details of the file, including the address of the person they are searching?

[dx100uk]

would be pointless otherwise

dx