Barclays default

MWAUGH1983

Hi All,

This account was passed to Wescot on October 2009 and the the first contact I had with these was December 2009 when I arranged the first payment. I made a good history with these making all payments on time until may this year when I arranged with barclays and wescot to cancel payments till the ppi is sorted out.

On looking at my credit file I note that a default on my file for this account was dated April 1st 2010. I was under the impression that they would default the account prior to passing the account over for collection. Though by the time April came round I would have made 4 consecutive payments - not that that would have been a difference.

I was just wondering if anyone had similar experiences with any company and what the situation regarding default dates?

Cheers in advance!

Martin

MWAUGH1983

would appreciate any advice guys!

Tixy

Hi

Would very much expect that barclays would have issued a default before selling it.
Probably write to westcott and dispute the date of the debt, you could also ask for a copy of the default notice, or maybe specify a copy of the original default notice issued by barclays.
I guess you don't still have a copy of the default from barclays from way back?

chanz4

Did they sell it or did they manage it, barclays dont normaly sell. Instead they go through a few agencys then issue a N1.

nottoolate

MWAUGH1983 wrote: »

I was just wondering if anyone had similar experiences with any company and what the situation regarding default dates?

a debt being referred to a collections agency or in house collectors is one of the key indicators for filing a default

http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf

MWAUGH1983

chanz4 wrote: »

Did they sell it or did they manage it, barclays dont normaly sell. Instead they go through a few agencys then issue a N1.

They passed the account to them for management - they never sold it. They did initially pass it to mercers and then I started to deal with wescot.

MWAUGH1983

Tixy wrote: »

Hi

Would very much expect that barclays would have issued a default before selling it.
Probably write to westcott and dispute the date of the debt, you could also ask for a copy of the default notice, or maybe specify a copy of the original default notice issued by barclays.
I guess you don't still have a copy of the default from barclays from way back?

I was thinking that the date of the default would have been around back end of 2009 but its the april 2010. I have sent a letter to barclays asking for clarification so we will see.

Your right; sods law but I dont have anything. Hopefully the account should be clsoed by next month if the PPI stuff is sorted.

Martin

chanz4

I would arrange something before they issue court action

payback_time

Barclays are a nightmare good luck!!! Just to let you know Mercers are a part of Barclays and when speaking to Mercers I asked them to confirm who pays there wages and the reply was Barclay do

MWAUGH1983

chanz4 wrote: »

I would arrange something before they issue court action

Why would they issue court action - I have met all payments on the arrangement with wescot and the account is on hold pending the PPI.

MWAUGH1983

payback_time wrote: »

Barclays are a nightmare good luck!!! Just to let you know Mercers are a part of Barclays and when speaking to Mercers I asked them to confirm who pays there wages and the reply was Barclay do

Yeah I think they were when I spoke to them - seperate dept I believe with the same scouse accents lol