Barclays won’t update file after DRO

CarrieMovingonup

Hi,

I’m after some advice, my DRO ended March 2021 and all my other creditors have updated my credit file to reflect my DRO for the DRO date however Barclays won’t. I’ve sent them all paperwork from the DRO and all copies, I’ve sent a copy of my credit file showing that it’s discharged and all done.

They keep asking for a certificate which I don’t have and saying the insolvency register can provide this? Is this true I’m struggling to get hold of them at the moment but no other creditor has asked for this and accepted the paperwork with the stamp showing my DRO was approved and it’s all done.

Is this something I need to take the the financial ombudsman. It’s not as I want any credit or to apt for anything. Just want in 4 years time for it to drop off and be a distant !!!!!! memory of a really awful time.

thanks is in advance

sourcrates

It appears whoever answered your call/letter at Barclays might be mistaking your DRO for an IVA, it happens a lot. 

You only appear on the IR for 3 months after discharge, so that ship has sailed, it will show the DRO status on your credit report though, so you could send a screenshot of that.

You need to write back and state in the simplest terms possible, that you do not get a completion certificate with a DRO, only an IVA, and that the IR window has now closed, tell them that if they do not accept your evidence this time, you will refer this back to the insolvency service and escalate the matter to a formal complaint, with the option of involving the financial ombudsman service as well.

Maybe that will focus their minds.

CarrieMovingonup

Thank you for confirming this, I’m awaiting to hear back, it’s concerning they don’t know the process! Maybe will
mention they speak to a debt charity and confirm this also! 

I will try again and escalate if still no joy.

Thank you for the reply- 

RestlessOverDebt

CarrieMovingonup said:

Hi,

I’m after some advice, my DRO ended March 2021 and all my other creditors have updated my credit file to reflect my DRO for the DRO date however Barclays won’t. I’ve sent them all paperwork from the DRO and all copies, I’ve sent a copy of my credit file showing that it’s discharged and all done.

They keep asking for a certificate which I don’t have and saying the insolvency register can provide this? Is this true I’m struggling to get hold of them at the moment but no other creditor has asked for this and accepted the paperwork with the stamp showing my DRO was approved and it’s all done.

Is this something I need to take the the financial ombudsman. It’s not as I want any credit or to apt for anything. Just want in 4 years time for it to drop off and be a distant !!!!!! memory of a really awful time.

thanks is in advance

CarrieMovingonup

I am experiencing exactly the same situation with Barclays. My DRO ended mid June 2021. 

Kind regards

sourcrates

It`s an endemic problem within the banking industry, some companies still do not know how they should mark your credit file after a DRO.

I really don`t see why there should be any issue, guidance is readily available from a number of sources, yet we still see problems of this nature.