7yrs old barclays debt just come back on credit file - help

[Dorabell]

hi all just checked my credit report barclays have put a debt on there which as all ready been on and came off after 6 years can this be done again:???:

[unclebulgaria67]

hi all just checked my credit report barclays have put a debt on there which as all ready been on and came off after 6 years can this be done again:???:

 

Should be 6 years only.

 

What type of debt is this ?

[Dorabell]

Should be 6 years only.

 

What type of debt is this ?

 

personal loan started 8/11/01 defaulted 27/07/08 last payment 27/01/08 updated 6/9/2015 this as dropped off once

[unclebulgaria67]

personal loan started 8/11/01 defaulted 27/07/08 last payment 27/01/08 updated 6/9/2015 this as dropped off once

 

Ask Barclays to remove it, as it should not be on there.

[Dorabell]

Ask Barclays to remove it, as it should not be on there.

 

thanks for your reply

[SabreSheep]

Send a letter recorded delivery to their ceo office

 

bypass useless call center

[Dorabell]

Send a letter recorded delivery to their ceo office

 

bypass useless call center

 

thanks for your reply is there any letter templets that i could use to send to barclays on this matter

[unclebulgaria67]

Check the library on CAG. Think you just have to say that Barclays are only allowed to maintain record of default with the credit reference agencies for a period of 6 years and they are now in breach of this. Ask them to remove or a complaint will be taken up with the FOS and ICO.

[Dorabell]

Check the library on CAG. Think you just have to say that Barclays are only allowed to maintain record of default with the credit reference agencies for a period of 6 years and they are now in breach of this. Ask them to remove or a complaint will be taken up with the FOS and ICO.

 

thank you so much:-)

 

this is showing satisfactory not default?

[unclebulgaria67]

this is showing satisfactory not default?

 

Debt should only be on record, if there is a continuing credit arrangement you are continuing to pay. Even then the default incident which is over 6 years old should not be on there.

[Dorabell]

does any one now the head office for barclays only got address for the recoveries thanks

[unclebulgaria67]

I would only google it, look at Barclays website and then try to paste it over. But i am sure you can look it up online !

[ccholland]

Head Office Customer Relations Barclays Bank PLC 1 Churchill Place London E14 5HP UNITED KINGDOM

[Dorabell]

I would only google it, look at Barclays website and then try to paste it over. But i am sure you can look it up online !

 

thanks just found it:roll:

 

Head Office Customer Relations Barclays Bank PLC 1 Churchill Place London E14 5HP UNITED KINGDOM

 

thanks just found it:roll:

[Dorabell]

i have just had alert to say barclays have done a search:|

 

letter has gone off today to the head office registered we will see what happens

[Dorabell]

still now news:|

[Dorabell]

Debt should only be on record, if there is a continuing credit arrangement you are continuing to pay. Even then the default incident which is over 6 years old should not be on there.

 

Hi Uncle B just checked my file its been taken off thanks for your advice:-)

[Dorabell]

update barclays have received my complaint will have a answer by the end of november:|

[citizenB]

That's Barclay's for you ? They do have 8 weeks in which to respond to a complaint and it looks like they are going to take every second of that 8 weeks.

[Dorabell]

That's Barclay's for you ? They do have 8 weeks in which to respond to a complaint and it looks like they are going to take every second of that 8 weeks.

 

 

[slick132]

Hi Dorabell,

 

As the CRA marker has been removed (post #20), let them take their time.

 

Let us know how they reply.

 

[Dorabell]

Hi Dorabell,

 

As the CRA marker has been removed (post #20), let them take their time.

 

Let us know how they reply.

 

 

ok thanks will do:|

[Dorabell]

Hi Dorabell,

 

As the CRA marker has been removed (post #20), let them take their time.

 

Let us know how they reply.

 

 

hi just received a letter today here goes:|

 

We have finished our investigations

This letter is to let you now we have finised our investigations into your complaint and to tell you your decision i would like to assure you that we,ve looked in to your complaint very carefully:-)

 

About your complaint

your complaint was in summary

 

you have been reveiwing your credit history with the credit history with theCRA you have noticed an entry placed by barclayloan on the xx november 2001 you would like to now why this is still being reported on your credit file it defaulted on july 2008

you would like to now if barclays are aware that we are not allowed to report this to the CRA after a period of six years as seen by the date it is event it has been over six years and barclays are now in breach of this

you require to this to be removed

 

Our Decision

 

having search our internal records i can confirm that the default on your barclayloan was registered on march 2010:| as you have correctly mentioned

this will report on your credit file for six years from the date of the default has six years have not yet passed:???: there has been no error in this currently still reporting on your CRA as such i am unable to agree with this complaint:lol:( it has been taken off since )

 

if however you still beleive your CRA is still reporting incorrect information please supply us with a copy of your SCF this will cost you £2 showing this negative data and forward this to us i will be happy to open your complaint up again we will refund if action is have effected your credit file:| i do hope this has answers your complaint fully thank you for taking time to complain to us and hope you feel confident in letting us now again in the future

 

your next step

 

please get in touch with us if you would like further explanation of our decision if there is any thing you think i have not consider and you have more information to share with me let me now right away and ill be happy to look into this again

or i have the right to refer my complaint to the FOS free of charge you must do this with in six months of the date of this letter if you do not refer your complaint in time the FOS will not have the permission to consider your complaint and so will only be able to do so in a very limited circumstances

 

your sincerly xx Decision maker

 

[slick132]

Hi Dorabell,

 

When did you last make a pay't to this a/c.

 

[Dorabell]

Hi Dorabell,

 

When did you last make a pay't to this a/c.

 

 

hi jan 2008