Mkdp adding an old defaulted BC debt to my credit file - advice needed please

[molly153]

I've just checked my credit file to discover that this company have added an old barclaycard debt to my credit file!!

 

This debt defaulted in 2001 and came off my file in 2006

and now it's back on there with a default date of last January!!!!

 

According to my credit file its not due to be removed until jan 2019!!

 

Can they even do that?

 

Is it legal??

 

Any help greatly appreciated

[dx100uk]

if the original entry by Barclay vard had a defaulted date in the summary line

 

then once that default reaches its 6th birthday

the whole account vanishes regardless to any payment or not.

 

it cannot return.

 

if this is the case

and you have documentary evidence that a previous default existed

 

then you need to complain to the ICO.

 

dx

[molly153]

Hi. It was so long ago that the debt came off my file I'm not sure how I'd prove it? Could I SAR barclaycard? Is that likely to evidence that the account defaulted in 2001 originally?

How do I complain to the ICO?

Many thanks x

[BRIGADIER2JCS]

Hi. It was so long ago that the debt came off my file I'm not sure how I'd prove it? Could I SAR barclaycard? Is that likely to evidence that the account defaulted in 2001 originally?

How do I complain to the ICO?

Many thanks x

 

 

Go to the ICO website.

BC will say that they don't hold data for more than 6 years after an account is closed, but when pressed have produced data in the past.

 

 

Personally I would raise a Formal Complaint to the Data Controller at the Compello Group MKDPs parent company.

[molly153]

Ok thank you I will do that. I'm furious that these people are able to just re age defaults and falsely add items to my credit file. It's abhorrent behaviour and very damaging!

[slick132]

Hi Molly,

 

I would tell the bank and/or DCA from the start that you will require compensation for the errors that you believe have occurred.

 

[BRIGADIER2JCS]

Ok thank you I will do that. I'm furious that these people are able to just re age defaults and falsely add items to my credit file. It's abhorrent behaviour and very damaging!

 

 

I is not an unusual happening with this particular company, complaining to the "parent" Compello Group is the way forward, check tem out on the internet the names of the execs are there.

[molly153]

Thank you. A strongly worded letter is heading out tomorrow. I've also raised a complaint to the credit reference agencies. Ill update progress on here as I can see others are also experiencing the same