Barclaycard AP removal [successful]

ey_137

No they haven't, just looks like a standard fob off letter to me. Would I be better referring it to the ICO or financial ombudsman or are they the same thing sorry for my ignorance.

Regards

happy_bunny_2

ey_137 wrote: »

No they haven't, just looks like a standard fob off letter to me. Would I be better referring it to the ICO or financial ombudsman or are they the same thing sorry for my ignorance.

Regards

When did you complain? they have 8 weeks to get you their final response. If they give you their final answer before this, or the 8 weeks elapses, you can refer to FOS.

you could write and ask if this is their final response and if it is tell them you are referring to FOS.

ey_137

I raised the complaint around 3 weeks ago, I may write back reiterating the complaint and expressing that they are going against ICO guidelines and disadvantaging me compared to someone who paid nothing and was defaulted straight away, this should prompt a final reply.
Thanks for the advice.

happy_bunny_2

be sure to mention you intend to refer it to the FOS if required. It costs them £500+ per case referred, not that it seems to make them avoid it.

SimonSays

happy_bunny wrote: »

be sure to mention you intend to refer it to the FOS if required. It costs them £500+ per case referred, not that it seems to make them avoid it.

Why?

So the customer comes into an arrangement to pay (AP) and Barclaycard record it correctly

I bet you'd say that you were good customers.

happy_bunny_2

They should either default to start with or not at all.

They are well known for it have been known to mark APs for many years until the debts repaid, then mark as a default.

This goes against the ICO guidelines of not putting someone in a worse position than someone who makes no attemp to pay, gets defaulted and after 6 years there is no record of the default.

Quite often you are not told they will mark as AP.

dumpyboy

SimonSays wrote: »

Why?

So the customer comes into an arrangement to pay (AP) and Barclaycard record it correctly

I bet you'd say that you were good customers.

Very harsh, AR makers ruin your file for many years 23 in my case for events that can happen to any one how ever well you think your got things organised had no luck with the ICO. But complant withFOS at the moment

SimonSays

but its an accurate reflection of the account?

happy_bunny_2

SimonSays wrote: »

but its an accurate reflection of the account?

No it isn't. When you miss payments, you default. Especially via a DMP.

happy_bunny_2

SimonSays wrote: »

but its an accurate reflection of the account?

Have you read the ICO default guidelines? If so, you would see the bit about Arrangements being for 6 months max. And the bit on DMPs.

DMPs last for more than that.