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Correct credit score

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I'm sure this has been covered innumerable times on here but I just need an idiot proof answer if possible. I declared bankruptcy in 2010 and foolishly have never cleaned up my credit reports, never really been an issue as every time we needed credit checking we used my wife's name, she wasn't included in the bankruptcy so no problems.

Unfortunately she died around eighteen months ago so I need to get myself sorted, even if just for a mobile contract. The only account still showing as in default on my reports is my old Barclays current account; so my question is who do I get in touch with to get it corrected, and what information do I need to provide? Thanks.

Feel a bit of an idiot in all honesty, should've done it years ago.
Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
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  • sourcrates
    sourcrates Posts: 29,034 Ambassador
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    Sorry to hear about your wife.

    In bankruptcy, all defaults should show no later than the date of your bankruptcy, if that was in 2010, then your file should have completely cleared in 2016.

    You need to write a letter of complaint to Barclays stating the above, and ask for the default to now be removed from your files altogether.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MikeJO
    MikeJO Posts: 374 Forumite
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    Sorry to hear about your wife.

    In bankruptcy, all defaults should show no later than the date of your bankruptcy, if that was in 2010, then your file should have completely cleared in 2016.

    You need to write a letter of complaint to Barclays stating the above, and ask for the default to now be removed from your files altogether.
    Thanks for that, does it need to go to a Barclays head office or can it be just to my old branch?
    Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • sourcrates
    sourcrates Posts: 29,034 Ambassador
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    MikeJO said:
    Sorry to hear about your wife.

    In bankruptcy, all defaults should show no later than the date of your bankruptcy, if that was in 2010, then your file should have completely cleared in 2016.

    You need to write a letter of complaint to Barclays stating the above, and ask for the default to now be removed from your files altogether.
    Thanks for that, does it need to go to a Barclays head office or can it be just to my old branch?
    By Phone

    From the UK: 0800 282 390

    By Letter

    You can send a letter explaining your complaint to -

    Freepost Barclays Customer Relations

    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MikeJO
    MikeJO Posts: 374 Forumite
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    MikeJO said:
    Sorry to hear about your wife.

    In bankruptcy, all defaults should show no later than the date of your bankruptcy, if that was in 2010, then your file should have completely cleared in 2016.

    You need to write a letter of complaint to Barclays stating the above, and ask for the default to now be removed from your files altogether.
    Thanks for that, does it need to go to a Barclays head office or can it be just to my old branch?
    By Phone

    From the UK: 0800 282 390

    By Letter

    You can send a letter explaining your complaint to -

    Freepost Barclays Customer Relations

    Thanks again, just what I needed, much appreciated.
    Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • MikeJO
    MikeJO Posts: 374 Forumite
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    edited 27 March 2022 at 8:05PM
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    Sorry to come back on this, but how long should I allow them to correct this or at least get a reaction? I wrote to them on 2nd March but have had no response and my report is still showing the account open but in default, bizarrely the "date of default" is totally random, 17th Jan 2019.
    If I get nothing from them what else can I do?

    I should just add that I can't do anything that might be suggested over the phone, I had laryngectomy surgery in 2020 and as a result have no vocal chords and no voice; makes life a little complicated at times. 
    Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • sourcrates
    sourcrates Posts: 29,034 Ambassador
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    8 weeks is the standard allotted timescale for providing a final response to complaints.

    However due to covid, and some staff still working from home, expect it to take longer than this.

    You can then expect any update to credit file information to be at least another month maybe two, after that.

    You have the option of escalation to the FOS if you remain unhappy.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MikeJO
    MikeJO Posts: 374 Forumite
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    Thanks again👍
    Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • MikeJO
    MikeJO Posts: 374 Forumite
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    8 weeks is the standard allotted timescale for providing a final response to complaints.

    However due to covid, and some staff still working from home, expect it to take longer than this.

    You can then expect any update to credit file information to be at least another month maybe two, after that.

    You have the option of escalation to the FOS if you remain unhappy.
    It's now been ten weeks with no response, or even an acknowledgment that they're looking into it; time to go to the FOS yet do you think or give them a bit longer?
    Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • MrFrugalFever
    MrFrugalFever Posts: 1,234 Forumite
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    The FOS are about 4 months behind with trying to deal with complaints, I would send in an email with your concerns and outlining how you’d like them to correct it, also providing a date in which you first sent the original letter. Did you send the letter ‘to be signed for’?

    You haven’t received a first response let alone a final one so FOS is not really an option at the moment.
    Save £5k in 2024 challenge #32
    Saved Total = £1,560.26 / £5,000

    Secured/Unsecured loans x 0
    Credit Cards x 6 (total limit £24,250)
    Creation FS Retail Account x 1
    0% Overdraft x 1 (£250)
    Mortgage x £140,250
    Debt = £549.00 (0%APR due 22nd July 2024)

    Charity fundraising goal for 2024 = £1,000 for animal rehoming / dog fostering etc
  • sourcrates
    sourcrates Posts: 29,034 Ambassador
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    MikeJO said:
    8 weeks is the standard allotted timescale for providing a final response to complaints.

    However due to covid, and some staff still working from home, expect it to take longer than this.

    You can then expect any update to credit file information to be at least another month maybe two, after that.

    You have the option of escalation to the FOS if you remain unhappy.
    It's now been ten weeks with no response, or even an acknowledgment that they're looking into it; time to go to the FOS yet do you think or give them a bit longer?
    You cannot go to the FOS until you have exhausted the companies complaints procedure.

    You go to FOS now, all they will do is write to the company and tell them they have a complaint  to deal with.

    FOS can`t do diddly squat till the company themselves have investigated the matter, things are still running behind, be patient, send a reminder to them is you want to be pro-active.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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