Lowells/Barclaycard

[Grundles]

Response received....

 

"I have had confirmation from the Barclaycard CRA team that the only marker showing on you Barclaycard account ******** is a marker dated 17/08/2011 stating that your account was sold to a 3rd party. As the Barclaycard reference relates only to the factual statement that your account was sold, and we are not currently reporting any defaults, there is nothing for Barclaycard to remove from your record.

 

If you have a copy of your credit file that contradicts the above please provide me with a copy and I would be happy to look into it further.

 

Kind regards"

 

Yet it is still showing as Barclaycard on my CRA. No mention of Lowells, even when I called Experian up and asked for a ref to Lowells there was none, even when I gave ALL of my past addresses etc (even though Lowells had none of them!)

 

What do to??xx

Edited August 22, 2013 by slick132
Removed a/c no.

[slick132]

Have you an up to date CRA record for that confirms exactly what is showing for this BC debt.

 

[Grundles]

Oh yes have checked again today. Last time I checked, however, it hadn't been updated since 2011, it has now been updated this month. So someone is updating the entry. Let's seem what my new Barclays Paralegal mate has to say for himself today.

 

Thanks Slick, for all your helps so far!xx

[shutmeup]

Have you checked the other CRA's to see if Lowells are reporting the debt to them?

 

Lowells never reported my debt to Experian for some reason, just Equifax and Callcredit.

 

" As the Barclaycard reference relates only to the factual statement that your account was sold, and we are not currently reporting any defaults, there is nothing for Barclaycard to remove from your record."

 

When you agree to a settlement make sure that you get BC to agree to remove ALL information they hold about you from all 3 CRA's.

 

Has BC not bought your debt back from Lowells?

 

Obviously every case it different but with mine I pushed it as far as they would go with their financial settlement and then said I would accept their offer if they agreed to remove all information about me as well. They were quite happy to agree to that.

[Grundles]

Hi Shutmeup,

 

There is no debt left, I have paid it all back, but because Lowells (or whoever!) have not been reporting it since 2011 (I bought the balance to zero July 2012) it showed as owing money for an extra year than it should have. It has suddenly been updated August 2013 since I made the fuss with Barclaycard about the mis-information on my report. This seems fishy to me, B/C are adamant they do not own it though yet as I say, suddenly since the claim being started miraculously its been updated and the balance shows zero for the first time in years! If they really have sold it, they won't have any power to do so, and if there is no debt to buy back I'm not sure what I can do!

 

For some reason I have had difficulties in getting Equifax and Callcredit to believe me that I am me...!! Even when I called Equifax up to ask how to prove it.

 

Thanks all xx