Default on account

tinasiennataylor

Hello
5 years ago barclaycard agreed to a repayment plan whilst I was on maternity leave. At the end of the plan I had to replay the balance in full so that it cleared the account, however as I was on zero pay I was unable to by the deadline. Fortunately family helped me out and I paid the balance but around a few weeks after the deadline, but Barclaycard had already added a default on my account which should end next July 2021. I’m trying to find out if there is a process to get it removed early considering the balance was paid in full just after the deadline. Am I able to pay to get it removed? I can’t get in contact with them as phone lines so busy (been on hold over an hour and it cuts out).

any advice gratefully received.

Many thanks 

MovingForwards

You can write and ask them, however a single default from nearly 6 years ago isn't the end of the world.

brancrane729

you say that but it is for me -you will never believe my story but i can prove it fully ,NPOWER defaulted me problem was i was not aware i called them to advise was moving to pay bill they advised i would be in credit as mum (who has passed was with me) i was her carer dementia we had to move flats not suitable - cut a long story short was defaulted in sept 2018 i was not aware until December 2019 called the collection agency they advised NPOWER i called them they said no go back to agency in the end it was NPOWER never updated their files -the credit was mis-information by now FEB 2020 i paid the amount in full YES £143 YES A £143 i wrote advising i was carer i was told this , all i can say the most unhelpful lot ever denied everything , i am at ombudsman now let us see although many say they side with energy company my bills were all estimated asked for a DSAR all relevant info that could help me not available never got bills never got default notice as i was not at that address ,they claim to have passed file to collection agent but did not give forwarding details (they lost that also or claim i never gave) lost DSAR on all that also ,So going back to not END OF WORLD  i have excellent record never missed any payments late or anything (again proof can be given) yet my credit score destroyed i can not get mortgage i have been refused ,the default will be 2 years in September 2020 still not improvement i can not even do anything to improve as my history conduct is perfect ,SO IT IS END OF THE WORLD stuck in a home where i cared for mum for 2 years sitting in room where mum died i suffer from anxiety depression mental health issues i have just been trying to move forward  NPOWER not interested in good will just calling me a liar oh yes i was their customer for 8 years not one problem this relates to 3 months of energy use all estimated -the staff demoralised as all loosing jobs they dont care  

SpreadableToast

Try using proper punctuation and paragraphs if you want people to read all that.

MovingForwards

@brancrane729 start your own thread if you are asking for opinions. If posting off your phone, but enter a few times to get paragraphs.

MinuteNoodles

You can't get a default removed just because you pay it. Your credit file is a factual historic record. The facts are that at that time you defaulted. Even though you paid it later you still defaulted at the time. You cannot pay anyone to make it magically go away. If we can make credit record entries go away just by paying someone then it makes the whole purpose of a credit record pointless as it's entire purpose is to give a historic accurate view of the way you handle your finances to allow lenders who are risking their money to come to a decision.