Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • rock01
    • By rock01 13th Oct 16, 8:39 PM
    • 3Posts
    • 0Thanks
    rock01
    Please help - Barcley Card
    • #1
    • 13th Oct 16, 8:39 PM
    Please help - Barcley Card 13th Oct 16 at 8:39 PM
    I don't know whether to cry or scream.
    We have just seen a house we would like to buy (first-time buyer with family) and checked my partners credit record to find a long term issue, I just don't know how to resolve.

    She had a DRO (debt relief order almost six years ago).
    Since then an excellent credit record.

    At the time barcley card should have written her debt of as agreed in court.

    But over the last 6 years they have been recording late payments and defaults.

    My partner has talked with them and Experian. I think action was planned at some point but I guess my partner didn't follow it though.

    It's still there!!! They are still regularly filing incorrect information that is effecting our lives.

    How do we resolve this?
    I am so gutted
    (6 years!!)
Page 1
    • zx81
    • By zx81 13th Oct 16, 8:47 PM
    • 9,342 Posts
    • 9,169 Thanks
    zx81
    • #2
    • 13th Oct 16, 8:47 PM
    • #2
    • 13th Oct 16, 8:47 PM
    When did they default the account? If at the same time as the DRO, it will make no practical difference.
    • rock01
    • By rock01 13th Oct 16, 9:20 PM
    • 3 Posts
    • 0 Thanks
    rock01
    • #3
    • 13th Oct 16, 9:20 PM
    • #3
    • 13th Oct 16, 9:20 PM
    Thank you for your swift reply.
    The account on Experian was Last updated : 28/01/2014
    It shows a Default Date 18/05/2011
    However still showing defaults in 'payment status' bar every month now.
    • zx81
    • By zx81 13th Oct 16, 9:23 PM
    • 9,342 Posts
    • 9,169 Thanks
    zx81
    • #4
    • 13th Oct 16, 9:23 PM
    • #4
    • 13th Oct 16, 9:23 PM
    That's OK. It will drop off 6 years after the default. The monthly defaults are just status updates.
    • rock01
    • By rock01 13th Oct 16, 10:52 PM
    • 3 Posts
    • 0 Thanks
    rock01
    • #5
    • 13th Oct 16, 10:52 PM
    • #5
    • 13th Oct 16, 10:52 PM
    So they will all disappear?
    • ukamber1
    • By ukamber1 14th Oct 16, 12:03 AM
    • 76 Posts
    • 14 Thanks
    ukamber1
    • #6
    • 14th Oct 16, 12:03 AM
    • #6
    • 14th Oct 16, 12:03 AM
    Thank you for your swift reply.
    The account on Experian was Last updated : 28/01/2014
    It shows a Default Date 18/05/2011
    However still showing defaults in 'payment status' bar every month now.
    Originally posted by rock01
    This default will automatically drop off the credit report 6years after the first default date. (18/5/2011)....So 18th May 2017, the default will drop off and disappear. It will be worth just checking the credit report for each credit agency the following month just to make sure but no reason why it should just disappear on that date.....
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,726Posts Today

7,126Users online

Martin's Twitter