£200 Default showing. No sign of account?

dejie

My credit file is still showing £200 that I owed to barclays about 2 years ago. I paid this off through a debt collection agency. Called up barclays and they can't find my account. They say there is nothing they can do without a sort code and account number, but I destroyed this card years ago. They are telling me to get in contact with the credit places like equifax etc. Whats the best corse of action?

Many Thanks

Dejie

Gaz83

Getting in contact with the credit places like Equifax?

boo_star

dejie wrote: »

My credit file is still showing £200 that I owed to barclays about 2 years ago. I paid this off through a debt collection agency. Called up barclays and they can't find my account. They say there is nothing they can do without a sort code and account number, but I destroyed this card years ago. They are telling me to get in contact with the credit places like equifax etc. Whats the best corse of action?

Many Thanks

Dejie

Either raise a dispute via the Credit Report Agencies the account is registered on or speak to the DCA that added it to your file.

I'd add that it's unlikely, after only two years, that Barclays have wiped all their data but it doesn't really matter I suppose, the DCA is now the data controller.

nyermen

You may need to go into a branch with ID, but there is no way they've deleted the information. The account information will be held (even if closed) for at least 5-7 years (for regulatory reasons).

They presumably have closed the account, and its possible it won't be on the standard system as a result, but they can call up a main office where it can be looked up.

fermi

Is this recorded on your credit file under the name or Barclays or the name of the collector?