Barclaycard AP removal [successful]

happy_bunny_2

JDawg wrote: »

The O/D was reported as late as the account went overlimit and I was not paying any money in (I had very little income, and lots of other debts at the time). The month when the O/D was reported as (0) was when I paid in a £500 lump sum to clear off part of the overdraft. I eventually managed to pay off the remainder of the overdraft (~£1000) in a single payment and close the account back in 2010.

All other months I was not making any payments.

So, for the row of 3s, you were not paying in and over limit?

If so, that should have escalated to 6 and defaulted. My RBS one did.

JDawg_2

happy_bunny wrote: »

So, for the row of 3s, you were not paying in and over limit?

If so, that should have escalated to 6 and defaulted. My RBS one did.

Indeed, that is correct. I did not make any payments apart from the months that the account status was reported as (0).

Also, as I recall, the account had passed onto debt collectors, so I am surprised that the account had not defaulted.

hieveryone

If I may jump in just for a bit of quick advice, as there seems to be a lot going around!

I have an ATP marker on a Lloyds Bank current account from October 2008-January 2010

Account reads like this:

JULY 08 - 1
AUG 08 - 2
SEP 08 - 3
OCT 08 - JAN 10 - AP


The details are hazy as it was so long ago but basically I put a transaction through whilst abroad that took me over my o/d limit. I was out of the country for 4/5 months and in that time fees loaded up. On returning to the country I went into the bank and made an 'arrangement to pay', paying regular monthly amounts into the account to cover all the banks extra 'fees'.

Now seeing this as a BIG mistake anything I can do to sort this out?

Thanks

happy_bunny_2

JDawg wrote: »

Indeed, that is correct. I did not make any payments apart from the months that the account status was reported as (0).

Also, as I recall, the account had passed onto debt collectors, so I am surprised that the account had not defaulted.

if its sold to a DCA, that's an indicator of default also.

You need to complain, in writing to the current debt owner.

rizla_king

Someone got removal and compensation on another thread yesterday? cant find at the mo

swampduck

rizla_king wrote: »

Someone got removal and compensation on another thread yesterday? cant find at the mo

Quote:
Originally Posted by swampduck
Success!!! Spoke to a guy in the Barclaycard Complaints department and he checked back and said I was defaulted in May 2009. Which means they have been reporting to the likes of Experian and Equifax incorrectly. He will check my files on Monday with the three main companies and correct them which means it should drop off next year :j
But because of their mistake they would be giving me £50 for the mistake/inconvenience!! :j:j:j:j

Swampy

Well I've had the £50 compensation and on checking my credit files today the amendments have been made. So all is on track to drop off next June :T

Swampy

xgingerx

Me 2, got £50 cheque for inconvenience and letter to say the accounts will be removed. (barclaycard)

MBNA - update - Financial Ombudsmen have written to me to say they have asked MBNA for all my details, so lets see !

20aday

Slight update re: Capital One.

Despite them updating my credit files at the end of May; the markers are still there!

They've said they are factual correct but I've now received a letter from the Executive Office with a lady's contact details and email address.

So I'll be sending off screenshots on Monday and report back here with the outcome.

To those who've been successful, well done. And to those who've been knocked back... Keep trying... it is possible!

20aday

20aday wrote: »

Slight update re: Capital One.

Despite them updating my credit files at the end of May; the markers are still there!

They've said they are factual correct but I've now received a letter from the Executive Office with a lady's contact details and email address.

So I'll be sending off screenshots on Monday and report back here with the outcome.

To those who've been successful, well done. And to those who've been knocked back... Keep trying... it is possible!

Further update to my posting on the 11th.

Capital One have emailed me back apologising and have stressed that my account will be updated with the changes taking effect with the CRAs within the next six weeks.

Happy days

misscutiepie1984

Is it just me that has had no help from Barclaycard in the same circumstances then? They have said that my account has been reported correctly with AP marker for about 3 years in total never giving me a default.