Barclaycard and M&S Money

lala9

Good Morning

Currently dealing with my credit file and doing a clean up. Out of my 8 creditors Barclaycard and M&S Money are the most difficult to deal with and have not dealt with my request to update my files.

Do any of you helpful folk have an email address that would direct my request further up the chain from customer services? I did this with Cahoot and Shop Direct and it was done virtually the next day!!

Other than that I will have to kick off the complaint with the ICO which I am reluctant to when I now know these companies are capable of doing these things with the click of a button the same day.

Thank guys!

doseduk

Hey, I don't have direct experience with those two creditors - but reading that, I wonder if the best chance of them acting promptly about your file, would be to, bearing in mind you say they have not dealt with your requests already - give a written complaint. Keep a copy of the letter, and maybe follow it up with a phonecall to hit all bases...

I'd love to think e-mail is now dealt with as seriously, and more efficiently, than post, but as I found with companies unreasonably demanding I send them a paper copy of my bankruptcy documents, instead of just going online and viewing my entry on the public insolvency register for the same details (they outright refused, even when I suggested this, even though it would save them time, money etc!!)... Some of these companies seem old fashioned in their procedures, and traditionally, a stern letter held more weight than other things.

If you address it as a formal notice of complaint, and insist they have a responsibility to keep records up to date and accurate by law, and that you have already tried to resolve it... that you will consider futher action, not leads the Financial Ombudsman Service if it isn't taken seriously, promptly... they might be a bit quicker...

I had serious complaints about Lloyds Bank and some others, and actually ended up with a number of cheques of compensation.

I'd suggest drafting a complaint, being to the point but serious and remembering you are in the right, the customer to whom they serve and have the backup support of the law and FOS should they continue being rubbish as per your reasonable requests.

Good luck x

doseduk

(Sorry though, you may well have known all that and just wanted an e-mail address as requested, in which case I'm not much use!)x

lala9

Thanks for your reply doseduk. These companies are very old fashioned as you say. I tried calling them too which is a nightmare, they always try and fob you off that I should be contacting the credit reference agencies to which I get very shirty as this is not correct. Then you are passed around the houses and when you finally get to where you should be their office is close, grrr! I have now submitted 2 complaints via their online system, so will wait and see what happens.