Barclaycard refuse to default me

Thrugelmir

rizla_king wrote: »

There is every point, as this default or lack of is now the single limiting factor determining how long cookyy2k's credit file will be harmed for.

Creditors can mark the account as being in a DMP. This marker will remain until the account is settled.

rizla_king

Thrugelmir wrote: »

Account history can be marked by the creditor as being in a DMP for the duration that it is.

Nonsense. DMP markers do not apply to defaulted accounts, and defaulted accounts are removed after 6 years no matter what. Once dropped off there will be nothing on there about a DMP or the debt, even if the DMP is still running.

happy_bunny_2

Stop paying, wait for default, resume paying.

Complaining and referring to ICO or FOS will just prolong the whole thing.

simeyb

Hello - OP I completely understand your issue. If the accounts are Defaulted now, they will disappear in six years - if you are on a permanent Arrangement to Pay, this will show on your file for 6 years after the account is settled.

I had exactly this with Barclaycard. I agreed with them that their policy of AP's was wrong (when I eventually spoke to the right person they admitted that their policy had changed to doing defaults, but that this had not filtered to all their people). I had the AP's changed to a default which by then was more than six years in the past so they all came off of my file. I will send you the details of the person and team I spoke to (at work now but will do this evening) - don't dispare!

erskineman

simeyb wrote: »

Hello - OP I completely understand your issue. If the accounts are Defaulted now, they will disappear in six years - if you are on a permanent Arrangement to Pay, this will show on your file for 6 years after the account is settled.

I had exactly this with Barclaycard. I agreed with them that their policy of AP's was wrong (when I eventually spoke to the right person they admitted that their policy had changed to doing defaults, but that this had not filtered to all their people). I had the AP's changed to a default which by then was more than six years in the past so they all came off of my file. I will send you the details of the person and team I spoke to (at work now but will do this evening) - don't dispare!

Could you please let me have a telephone number for someone at Barclaycard Customer Relations, in order for me to discuss this with them?
I've a similar problem, as to what you had.

Many thanks.

rizla_king

http://forums.moneysavingexpert.com/showpost.php?p=63282933&postcount=19

simeyb wrote: »

So, the people at Barclaycard I have been dealing with are:

Barclaycard
Customer Relationship Unit
PO Box 5402
Northampton
NN4 1ZR

Tel 0800 068 0125 (yes Freephone!!!!!!)

The person I dealt with is David Kenyon

Jason_Bourne_2

I phoned Barclays tonight and they are refusing to change my file from arrangement to default. I would have defaulted around December 2010.

Their answer is that I'm in a formal arrangement so they will continue to mark it as that.

erskineman

Thanks rizla king for that info.

Jason Bourne, who did you telephone - was it the number above in the rizla king post?

Jason_Bourne_2

erskineman wrote: »

Thanks rizla king for that info.

Jason Bourne, who did you telephone - was it the number above in the rizla king post?

Yes, was that number.

Customer relations it puts you through to.