Late Default date?

johnnybrando

Hi, brief background...got into serious debt late 2010 and been on a DMP through stepchange ever since. I'm looking at making settlement offers to my creditors so checking my credit file etc. 3 of the 4 creditors defaulted my accounts in 2011 so these 'should' go in 2017. However Barclaycard put me on a number of plans internally, so the account never defaulted until September 2015, therefore this will sit on my account until 2021. Im reading online a default should be placed within 3-6 months, but cant find anything definitive. I have raised it with barclays and they said it was placed in 2015 because I missed 7 payments on the bounce in 2015 - which is untrue. I have now written to them but wondering whether anyone can advise or point me in the direction of how I get this amended/ removed? Thanks in advance as always
John

sourcrates

Hi,

Barclaycard seem to be a law unto themselves, they prefer AP agreements rather then defaulting you.
There is no specified timeframe where a creditor must default you, however a lot of people have found a written complaint can help to get a default date moved, or changed.

I would see what result you get from that first.

National_Debtline

Hi there,


The default timeframe and arrangements to pay information is in the Information Commissioners Guidelines which you can find here. I would agree with Sourcrates that you should do a written complaint to Barclays and then escalate to the Financial Ombudsman Service and potentially the Information Commissioner themselves. Good luck,


Laura
@natdebtline

johnnybrando

Sorry for the slow response. Thanks both. I have complained so will await their update. If its not positive Ill escalate.