Egg CC debt - moved to Barclaycard

[Chocks]

So here's the latest in my Egg adventures.

 

I've had a letter from Barclaycard referring to an EGG debt, to an old address.

 

It's attached here.

It refers to a default that hasn't appeared on my file as yet.

I'm fairly certain (although I don't think I have a record) that the account was defaulted in 2004.

 

Here's the fun part

- it was from an Egg credit card,

 

Now this.

Do I CCA Barclaycard for the Egg details instead?

Egg_Barclaycard_default_26-02-17.pdf

[dx100uk]

is the ref number 16 digits?

[Ford]

what did you stop paying last summer; a payment arrangement, token payments, or...?

2004? note that a recorded payment arrangement or the like should not put someone in a worse position as if there had been a registered default instead.

[Ford]

related thread?

http://www.consumeractiongroup.co.uk/forum/showthread.php?474777-Arrow-have-provided-a-CCA-return-what-now-old-EGG-loan

[Chocks]

Sorry, should have been more full in my details.

 

I'd been on a payplan DMP from 2004 to September last year,

paying around £15 a month (other creditors pro rata).

 

I CCA'ed all my creditors and this debt was the only one I heard nothing about

- not even a request to keep paying while they looked for my agreement.

 

I believe all my debts had been marked as defaulted back in 2004,

but I can't find the copies of my credit report from back then to check.

 

edit: yup - related thread, DX asked me to start a new one.

[Chocks]

is the ref number 16 digits?

 

Yes, looks like a credit card number.

[dx100uk]

but it has been with BC since 2004 has it?

they were only recently moved to BC

so p'haps they don't know of the old default until they are asked yo go look for it?

[Chocks]

I've just checked through all of the payplan records and found this:

 

Egg - 24/08/2004

Eversheds - 18/02/2005

Moorcroft Group - 16/12/2008

Barclays Bank - 24/09/2015

Moorcroft Group - 24/09/2015

 

Yes, those last two dates are the same.

Payplan never updated me on stuff like this, I just kept paying and was none the wiser.

 

I should have made clear, I've not had ANY previous communication from Barclaycard about this debt and the reference number they have is not the same as the original egg one.

[dx100uk]

CCa request time?

[Chocks]

Thought so - it's written, will be posted tomorrow. Hopefully that'll sort it out. Thanks for your help, as always.

[Bettingmad]

Perhaps I can assist with this.

I also had an Egg card that was transferred to Barclays in 2011 and I entered a DMP with Payplan in 2011.

 

 

I had not been defaulted by Egg when it was transferred to Barclays and have maintained all DMP payments to date with my DMP due to finish in October.

Throughout all this time my account has been marked with AP and more recently DMP.

 

I have also received the same letter notifying me that they have now defaulted me.

When I called them they stated that they have backdated the default to 201I.

obviously I am very please with this as the default will fall off prior to my DMP concluding and it will only be three months after the 6 yr point in which I entered the DMP.

 

 

If you have not previously been defaulted by Egg then I would suggest ringing Barclays up and you might receive a nice surprise.

 

The only query I have is that Barclays have not sent out an official default notice despite backdating the default to 2011.

 

 

I am loathe to challenge this as the default will drop of my file shortly.

Am I right to think this way?

 

It really is quite cute by Barclays this method.

It appears that they do not default you when you enter the DMP and it is almost like they keep you on a leash with AP markers.

 

 

Whilst AP markers are in place if you were to stop paying in a year, 2 or 3 they could default you at this point which would far extend the 6 year point.

[slick132]

@ BettingMad - What matters is that the adverse CRA marker drops off 6 years after the a/c went delinquent. After that time, no further markers (AP, DMP or anything else) should show at all.

 

Hence I see no point in challenging anything about the DN, or lack of it.

 

@ Chocks - Wait for the CCA response for now and report back here.

 

If, in due course, you need to query something with BC, do it in writing and NOT by phone unless you record the call. A proper paper trail is better.