No proof of debt from creditor - what do I do now

MorningcoffeeIV

It's on your credit files.

sourcrates

MorningcoffeeIV said:

It's on your credit files.

It won`t be if it isn`t the OP`s debt, she has said she doesn't recall any accounts with Barclays.
OP does this account appear on your credit files or not ?

If it does, it should show the accounts status, if it says "default" what date is shown as the default date ?

MorningcoffeeIV

sourcrates said:

MorningcoffeeIV said:

It's on your credit files.

It won`t be if it isn`t the OP`s debt, she has said she doesn't recall any accounts with Barclays.

The OP said she wanted the account removing from her credit files. 

One of the requirements for removing an account from credit files is for it to be on the credit files.

Plus of course, she said it's on her credit files, albeit with an Antipodean inflection at the end.

AmeliaJaneAgain said:

adamp87 said:

Anymore details? Who was the original creditor what for and what date was the default?

Unless you know it isn’t yours I would leave it. It’s up to them to answer your request. There’s a few more stages to to it’s not a cut and dry case; they can find agreements and such.

I don't want to just leave it, it's on my credit report?

sourcrates

MorningcoffeeIV said:

sourcrates said:

MorningcoffeeIV said:

It's on your credit files.

It won`t be if it isn`t the OP`s debt, she has said she doesn't recall any accounts with Barclays.

The OP said she wanted the account removing from her credit files. 

One of the requirements for removing an account from credit files is for it to be on the credit files.

Plus of course, she said it's on her credit files, albeit with an Antipodean inflection at the end.

AmeliaJaneAgain said:

adamp87 said:

Anymore details? Who was the original creditor what for and what date was the default?

Unless you know it isn’t yours I would leave it. It’s up to them to answer your request. There’s a few more stages to to it’s not a cut and dry case; they can find agreements and such.

I don't want to just leave it, it's on my credit report?

I took the question mark to mean she was asking a question, maybe the OP can clarify.

Exodi

sourcrates said:

MorningcoffeeIV said:

sourcrates said:

MorningcoffeeIV said:

It's on your credit files.

It won`t be if it isn`t the OP`s debt, she has said she doesn't recall any accounts with Barclays.

The OP said she wanted the account removing from her credit files. 

One of the requirements for removing an account from credit files is for it to be on the credit files.

Plus of course, she said it's on her credit files, albeit with an Antipodean inflection at the end.

AmeliaJaneAgain said:

adamp87 said:

Anymore details? Who was the original creditor what for and what date was the default?

Unless you know it isn’t yours I would leave it. It’s up to them to answer your request. There’s a few more stages to to it’s not a cut and dry case; they can find agreements and such.

I don't want to just leave it, it's on my credit report?

I took the question mark to mean she was asking a question, maybe the OP can clarify.

The OP suggests in the first post it's on their credit report also, I agree with MorningcoffeeIV that it would be a tad strange to ask for help removing something that's not there. I don't think it's unreasonable to assume the account is showing on their credit report.

AmeliaJaneAgain said:

macman said:

You still haven't told us the date of the default. If it's approaching 6 years then there is little point in worrying about it now, and it doesn't appear to have impacted your creditworthiness thus far?

I don't know because they couldn't/wouldn't tell me.  

Please help us help you. If the debt is appearing on your credit report as you've suggested, you should be able to see the date it defaulted.

Also since we have people from both sides of the fence on this forum, do you genuinely recognize this debt or not? You are anonymous so please be honest.

Otherwise the first thing to think about is fraud (as if you don't know about it then maybe someone has imitated you and applied for credit in your name?).

Unless Sourcrates is right and it's not on your credit report - and is likely a tracing error by the DCA (has happened to me in the past also...).