Active Loans Missing on Credit Files

bluegollem

Hi all,

Hopefully someone can advise. I have been on a DMP for 8 or so years now. It's 70% paid off now. I have noticed that three of my debts which are all with Barclays and in total add up to around 70% of my total debt are not present on Experian or Noodle. These loans are at least 8 years old or older but I have been paying them consistently via the DMP.

Does anyone know any reasons why they would not be on my credit file? Are the debts served or something weird? It would be good to know as I am looking to pay a chunk off the DMP soon and if these Barclays debts are served then I'll probably pay the other creditors off first.

Thanks

[Deleted User]

Have you checked Equifax?

It may be they're not reported.

fermi

If marked as defaulted more than 6 years ago they would have dropped off the file. Or if sold on they may not have been record by whoever bought them.

Or as said, may just not have been reported in the first place, although Barclays usually do with Experian.

bluegollem

They never did default or get passed to a DCA. So I'm guessing just because they are not reported it doesn't mean that Barclays have forgotten about them or written them off?

bluegollem

I'm wondering if I even need to pay these debts legally? I know morally I should. I could theoretically be debt free this month without them.

fermi

If you have been paying under the DMP all this time then they cannot be statute barred if that is what you were thinking.

Who is the DMP with?

Have you not had anything from Barclays about them all this time?

May be worth requesting info/copy agreements on them to see where you stand.

See: https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Default.aspx

bluegollem

The DMP is with StepChange and they have been paying Barclays regularly for years as far as I know.

xHannahx

Barclaycard isn't reported to my credit file neither.