Defaulted on debt from 2001!

jeebeeb

Hi. I had a Natwest credit card which they claim I defaulted on in 2001. I wasn't aware of this until last year when i checked my credit file and discovered all the late payment markers. I advised Natwest the debt was statute barred. When I sent them the SAR form they placed the a default on my account. This means they placed the default on my file nine years after the true default date! Has anybody heard of this happening before and can anybody advise me on what action to take to resolve this?

flossieflipflop

Hi,

I've had a similar situation with Lloyds and Barclaycard adding defaults 3 years after default date. (defaulted when I went into a DMP, which I'm still in, having met all payments, not sure why they suddenly decided I had defaulted now and not then!)

I contacted the ICO who said that they should place defaults on file within 6 months and that I had a case to get the defaults backdated.

So far I've written to both lloyds and Barclaycard about this but 3 weeks on neither have replied yet so I've just emailed the ICO about how to take my complaint further - will let you know what they say.

Sorry not much help just personal experience but someone more knowledgeable will be along soon