Arrangement to Pay from 11 years ago!

RocketRobin

I’ve got a bit of an ongoing issue with Barclaycard and my credit report and wondered if any of you good people could help.


In my past I had a DMP but in 2001 I was able to remortgage my house enabling me to repay all my debts. Barclaycard had stopped sending me statements because I was on an arrangement to pay so I had to ring them and ask how much was outstanding on my account. I repaid the amount they had told me by cheque the following day and heard no more from them.



Obviously as this was some time ago I had always assumed that this recorded was now removed from my credit record.



To my amazement there is an with Barclaycard account on my record which has £45 outstanding and the account is still live, the strange thing is it’s not under the account number that I had.


I contacted Barclaycard about this record and spoke to someone who was extremely rude, he assured me that this was indeed my account and that the account number had been changed for security reasons, he told me this account would remain on my record forever unless I repaid the money. At no time did I agree that this debt was mine.


What can I do? Is it not true that this account should have been removed from my account after six years of no contact or repayment? How can I get it removed?


I know it’s only £45 but it really sticks in my throat to pay it and no doubt that means another six years before it’s removed. What I don’t understand is why they didn’t contact me about it at the time if it’s residual interest or something.


Is there anything else I can do?

RocketRobin

Apologies for the big gaps, not sure how that happened, copied from Word.

Tixy

Presumably you didn't hve any letter in 2001 stating the balance owed? or that nothing more was owed.

The record on your credit file showing just £45 - what other information does it show - what is the account opened date - 2001? or earlier when you really did open the account in question?
What status does it show? is it shown as defaulted? what is the date last updated?

Did they have your correct / current address? and you've never been chased for this since 2001?

You'll probably need to write to them, explain the situation and that you have never been chased or made aware of the outstanding amount - that you are happy to pay if an amount is genuinely due, but believe that your credit file does not show an accurate reflection and want them to remove the entry from your credit file.

Techinically the amount would be statute barred so even if you did owe it at the time you wouldn't legally need to pay (but it may be easier to offer to pay in exchange for removing the entry).