Thanks for your comments; I managed to get this resolved within the last ten days and thanks to Registry Trust writing directly to the lawyers who pursued the court action even during my sequestration. I've commented to lots of people that discharge from bankruptcy/sequestration is only the first step. 9 months since discharge to sort out my credit file and I still have issues with my credit file because creditors are reluctant to amend records even though they are wrong. Perseverance is required in bulk! Looking forward to a happier New Year... ;-)

Aah... got you. That's not something that crossed my mind, so thanks, I'll try that route. BW.

Thanks Debs. That was my understanding, but getting someone to accept responsibility for correcting/updating the records is proving impossible. Out of curiousity, why do you believe it would be the Trustee who could resolve this? Cheers!

Hey Deb T CRAs say they can't change the file unless instructed by Registry Trust; Registry Trust say they can only remove if repayment is made within one month of decree. Neither take on that the debt was covered by sequestration, although CRA does attach a note to my file (does anyone take notice of these?) If you've any ideas...

Would appreciate any advice please: I was sequestrated in March 2009 & discharged March 2010, however a CCJ was awarded against me in May 2009 even though the debt was included in my 'estate' (and as a result I was not represented in court.) Now I cannot get either the lawyers, who wrongly pursued the case, nor Registry Trust, who record these for credit reference agencies, to correct or remove this CCJ from my files. I didn't even know it was there until a bank refused to open account 'because you have a CCJ'; I have asked every month since May when I discovered it but getting nowhere. Any help would be appreciated. thanks.

After losing my job, I spent 3 months writing and trying to talk to Barclaycard about my account, but got nowhere (other card companies agreed temporary payment arrangements almost immediately). During this time, I've uncovered insider information that may be of help to others in a similar position: 1. Barclaycard will not negotiate on 'clean' accounts. 2. An account has to be 3 months in arrears before it is passed to DCA - Mercers, who have the authority to manage the account. At this point a default is noted on the account but NOT on credit reference files. 3. An account has to be 7 months in arrears before a default notice is logged with credit reference agencies. It has cost me a fortune to find this out: payments of almost £1000 to try to keep my account clean and accrued interest of almost £400 - don't make the same mistake! Sad but true! Good luck.

Try a random number from these! (Courtesy of the Amicus Union website.) Joanne Dooley Barclaycard, Norwich Way, Kirkby, Merseyside, L32 8UY 07917 427711 0151 549 7074 joanne.dooley@barclaycard.co.uk Angela Scott Barclaycard, Norwich Way, Kirkby, Merseyside, L32 8UY angela.scott@barclaycard.co.uk Sarah McCabe Barclaycard, Norwich Way, Kirkby, Merseyside, L32 8UY 0151 549 7074 sarah.mccabe@barclaycard.co.uk Sharon Sparks Barclaycard, Norwich Way, Kirkby, Liverpool, L32 8UY 0151 549 7074 Sharon.sparks@barclaycard.co.uk Neil Hardman Barclaycard, Norwich Way, Kirkby, Liverpool, L32 8UY 0151 549 7656

Hello... I think your site may have saved my life - not as much of an exaggeration as it should be! I have been writing to Barclaycard since July 2008 to make arrangements for my account whilst I'm not earning (my business went into liquidation) but have received no reply. The phone has been going constantly - we now don't answer 0845 or International area calls (thanks to caller display). When I made a payment at the beginning of September to stave off legal action, the call handler confirmed that they had received my letter and a response would be sent out; this was followed by a 'head teacher' letter reminding me to keep my account up to date. There was one clue, a Liverpool telephone number; so today, after 6 phone calls to numerous 'teams' and in desperation, I googled Barclaycard Liverpool and found links to your site and a list of telephone numbers, names and email addresses for Barclaycard! Among the calls, I did manage to find someone whose English was good enough to understand my accent and put a stop on the account; time will tell whether this applies to their charges as well as my spending. Anyway, I've been on other consumer advice sites because I cannot believe I'm the only one and the info I've picked up today has been priceless, so thanks. I'll keep you posted.