Barclaycard have put a late payment on my credit file

ridgers84

Hi guys.

I need some advice. I'm going to be applying for a mortgage within the next 6 months so was taking a look through my credit report on Experian. I was shocked to find that Barclaycard have put a missed payment marker on for December 2012.

I did have an issue with them in December - To cut a long story short, my account had fraudulent activity on it which caused me to go over my limit. I had two £12 charges on the account which I got removed. I paid the minimum payment that month of £42 however the system said I had not met the minimum payment for that statement even though it showed £0 minimum left to pay! It turned out that these two charges got added to my minimum payment and not removed. I called Barclaycard and was told to ignore it as it has been sorted there end.

In Jan 2013, I got my statement as normal and there were no charges for missed payment etc so I thought everything had been sorted. It's only when I checked with Experian that I noticed the marker.

How can I get this removed? Barclaycard neither accepted or denied that it was their fault, even though they credited my account with £30 and froze my interest for 2 months as a 'goodwill gesture for any inconvenience'

If I missed a payment I could understand, but I didn't I paid on time.

Thanks guys....Advice appreciated

stephane_2

Make a formal complaint...explaining all the facts, also mentioning the fact that you are in process of applying for a mortgage later on this year, but to be honest 1 late marker on a spotless credit report will have very little impact, a mortgage lender I doubt would decline your application just for that....

stclair

Ditto to Stephanes comment:

Heres Barclaycards complaint procedure:

http://www.barclaycard.co.uk/personal/complaints

moatmeister

These things can be removed, but you may have to fight for it. I know because I have had it done! Sounds like you have a good case.

As has been said 1 late payment should be ok but as we all know (apart from a few goody two shoes on here who seem to be able to run perfect lives ) sh*t happens. And if for some reason beyond your control you get another then that may be a different picture.

Write to barclays explaining and instigate formal investigations with the 3 CRAs who will also chase it on your behalf.

Buzby

You are giving the CRA too much credibility. A single missed payment is a statement of fact (the reason for which is irrelevant) and in itself no indication of any wrongdoing by the data subject. Only when this carries forward into a pattern would this be of any relevance. Neither is it a default of any kind.

moatmeister

Exactly my point. Getit removed if possible. 1 is a solitary event but if for some reason you should get another then that could be seen as a pattern and people may start digging around.....

Start NOW because it wont happen overnight

Just best not to go there!.

ridgers84

Many thanks guys. Will use the customer complaint number to start with and see where that gets me, will report back...

ridgers84

Hi guys just thought I'd give a quick update. It's been roughly 2 months and I've only just got round to getting in touch with them.

Anyhow, good result. I followed the link on this thread and made a complaint to barclaycard, I got a call today, less than 24 hours later from a friendly voice who apologised for the inconvenience. I've been told that the late payment marker will be removed from my credit file within 24-48 hours. Also, they will credit my account with £20 good will gesture within 48 hours. Good result I'd say.

Quick question though - the marker was on both my Experian and Equifax reports, will it be removed from both?

Thanks in advance

stclair

ridgers84 wrote: »

Hi guys just thought I'd give a quick update. It's been roughly 2 months and I've only just got round to getting in touch with them.

Anyhow, good result. I followed the link on this thread and made a complaint to barclaycard, I got a call today, less than 24 hours later from a friendly voice who apologised for the inconvenience. I've been told that the late payment marker will be removed from my credit file within 24-48 hours. Also, they will credit my account with £20 good will gesture within 48 hours. Good result I'd say.

Quick question though - the marker was on both my Experian and Equifax reports, will it be removed from both?

Thanks in advance

Why didnt you ask the question to person who called you?

Maybe you should contact them ask them to clarify.

However I would imagine they would update the information will all the CRAs.

ridgers84

To be honest, as daft as it sounds I didn't think to ask at the time I was just happy that it was being removed :-) will just have to wait and see I guess...

ridgers84

Quick update: the marker has been removed from both Equifax and Experian. Turned out to be quite painless in the end :j