NRAM Appeal for AP removal

Crystal_Pixie
Crystal_Pixie Posts: 88 Forumite
in Credit file & ratings
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.

Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Why would they remove an accurate representation of your account?
  • Crystal_Pixie
    Crystal_Pixie Posts: 88 Forumite
    !!! wrote: »
    Why would they remove an accurate representation of your account?



    Because if I had just not paid and been defaulted in 2011 then this debt would now be off my record.


    But I paid it in full I am being penalised because this record will remain on my report until 2021.
  • Crystal_Pixie
    Crystal_Pixie Posts: 88 Forumite
    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.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    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
  • Crystal_Pixie
    Crystal_Pixie Posts: 88 Forumite
    !!! wrote: »
    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?
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    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 that
This discussion has been closed.
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