Default removal

Campermann

Hi I’m new to forum but basically just wanted some advice. 

I had arrears with Barclay card and rang to clear the outstanding arrears but this was after the deadline. I was told by the adviser that it would be ok he could go in and make sure the default didn’t get placed. Unfortunately it did and to be honest at the time I wasn’t really in the right frame of mind to be able to deal with the situation and let it slide. Since then I have had them contact me basically admitting that they had not dealt with my account in the right way and they have refunded quite a substantial amount from the balance. 

My question is what do you think the chances are of getting the default removed? Seeing as the way the account was handled actually led to the default. 

CKhalvashi

The amounts probably should be changed to reflect the true situation as it should have been on your credit file.

As for the default, as long as an amount was overdue by more than the timeframe Barclaycard allow for it to be after this account revision, this will still stand for 6 years (in England/Wales) from the date it was placed. This is because it's a factual representation of your financial affairs at the time.

I'm sorry if this isn't what you want to hear.

simon_or

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

[Deleted User]

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

simon_or

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

martinbainbridge1975

you could possibly find an online complaint form on barclaycard website 

[Deleted User]

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

simon_or

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

Campermann

Ok thanks I ll give it a go👍

[Deleted User]

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

martinbainbridge1975

As farfetch says above go to the company direct - easiest and most simple way.