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Help needed - Default on credit file
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Debthelpneeded
Posts: 11 Forumite
Hi i'm hoping someone can help. I was struggling with monthly payments with Barclaycard earlier last year and called them, they were brilliant as I was also suffering with anxiety, stress they put a hold on my account and said not to worry about payments for 2 months and call them after this time, I did, and they said not to worry as my circumstances had still not changed. They advised after 6 months of no payments a default would be put on the account but because of my anxiety etc they would keep the account in house for at least the next 5 years so wouldn't sell to an outside company.
Now … on checking my credit report it states there is a default but it says:
Current status: Default/Ended
Entry code: C1
Account settled 03/09/2018
I am really confused as the default wasn't issued till November 2018, so why does it say account settled 3/9/18? and why does it say settled? Does anyone know?
I haven't heard from them since end of October.
Thanks for any advice
Now … on checking my credit report it states there is a default but it says:
Current status: Default/Ended
Entry code: C1
Account settled 03/09/2018
I am really confused as the default wasn't issued till November 2018, so why does it say account settled 3/9/18? and why does it say settled? Does anyone know?
I haven't heard from them since end of October.
Thanks for any advice

0
Comments
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Is the balance also zero?
Are you still making payments to them?
They've either written the account off (unlikely) or they've sold it onto a collection agency.
Do you have any of the agreements in writing?0 -
Hi,
It says balance: £6522 credit in use.
Would it say settled if it had been sold??
They said they wouldn't sell it when I last spoke to them.
I don't have any in writing, but I know my account was with a specialist team because of my mental health issues.0 -
I meant to say, i'm not making payments , haven't for over 10 months now.0
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Then you need to contact them and ask what's going on0
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Thank you, I will.0
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