Barclaycard Success!

Hello_Kitty_2

Thought it would be worth sharing a good news story. Basically I defaulted back in 2009 on my loan/cc and agreed reduced payments etc. I noted from my credit report that Barclaycard hadn't entered a default till 2011. I queried this with them and within a day of emailing a letter to their social media relations team I received a response from them, apologising for their error and removing it completely from credit file (which they have now done) I know a lot of people have had various degrees of luck with them but I was shocked at how quickly they dealt with this.

fermi

How were they marking it? With an AP/AR, or just arrears until that point?

Good news though.

Hello_Kitty_2

They just had it marked as being 6 months late (basically for 20 months before the default was actually registered!) I never went down the road of a formal DMP, just agreed payments direct with the creditors.

It is great news though and I thought it was worth sharing because I can't help but wonder if the fact that I went via social media contributed to the fast (and positive) response.

fermi

It may have done, may have not. There is such inconsistency in this sometimes that it's hard to tell. Would have done no harm though, certainly.

B0B

I had the same result. APs and not defaulting it and charging intrest.


Got interest returned, removed from credit file, and a 60% settlement offer.

fermi

Excellent to heat that as well B0B