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NRAM Appeal for AP removal
Crystal_Pixie
Posts: 88 Forumite
Hi,
Just wondered if anyone has successfully managed to have AP markers removed from NRAM?
I have markers on my report from 2011 to 2015 when the debt was paid. I have successfully managed to have markers removed with Barclaycard but I wondered if it was worth approaching NRAM with the same request?
Unfortunately, this was for a secured loan rather than a credit card so I am guessing these debts are treated differently.
Just wondered if anyone has successfully managed to have AP markers removed from NRAM?
I have markers on my report from 2011 to 2015 when the debt was paid. I have successfully managed to have markers removed with Barclaycard but I wondered if it was worth approaching NRAM with the same request?
Unfortunately, this was for a secured loan rather than a credit card so I am guessing these debts are treated differently.
0
Comments
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Why would they remove an accurate representation of your account?0
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ICO guidelines state that AP markers should only be used for a short term (as in 6 months). After that you have technically defaulted on your debt. Then it is reported for 6 years on your credit report.
However, a lot of companies now (Barclaycard) are using AP markers for years.
So I have now been penalised for 10 years instead of 6.0 -
Indeed, guidelines.
Of course, there!!!8217;s the obvious solution to it not being there in the first place.
You can ask them but if they say no the accept it0 -
Indeed, guidelines.
Of course, there!!!8217;s the obvious solution to it not being there in the first place.
You can ask them but if they say no the accept it
Hmmmmm I am sensing someone who hasn't had to go through a traumatic and expensive divorce.
The only reason why this is on my record is because I couldn't afford to pay mortgage and rent after leaving an abusive husband.
I think the term is walk in mile in a person's shoes before judging?0 -
To be frank here, that's nothing to do with anything.
Anyone can give a background story to come off as the one that was hard-done by.
Lender's tend to not care about that0
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