Hi
Just looking for a little bit of additional advice.
In October 2016 I had a Debt Relief Order (DRO) which subsequently ended (Discharged?) one year later, October 2017.
I recently took a look at my Credit Reports and note all but two of my creditors had stopped reporting on my files at the start of my DRO, marked a Default at time of DRO and marked my accounts as Closed and Partially Satisfied or Satisfied with a zero balance. All correct I believe.
However two creditors (Barclays Partner Finance & Vanquis) had continued (up to present day) marking the accounts as Open, full balance owing and still being marked as defaulting each month. I did a little research and found out (hopefully correctly) that these accounts should be marked as closed, zero balance and Satisfied/Partially Satisfied or similar.
I wrote to both companies requesting they correct my files.
Vanquis, to my surprise, updated my credit files straight away and is now correct.
However, Baraclys so far has not.
I wrote to them in October this year giving 28 days to resolve the issue. No reply.
I then wrote again to Barclays, again giving 28 days, this time via Recorded Delivery (November 2018) and had a reply they are looking into it.
I received a letter today saying they are still “investigating” and I will hear in another 28 days whether it has been resolved or if they need more time.
My understanding was they were supposed to resolve this within 28 days.
They are now moving towards at least triple this.
According to the ICO website, I will need a Final Response letter before contacting them.
I am seeking an answer to find out how long should I give Barclays to resolve this simple straight forward (if my research is correct!) issue? They could theoretically keep requesting further time indefinitely.
I suppose with the debts still being shown as Open Accounts, in Default monthly and still full balance owing, they could even sell these debts on (worse case scenario I know, but possible I guess).