Default date on credit file wrong

Palookaville · 19 April 2013 at 11:02AM

Hi there.
This is my first post and a little advice is needed.
In 2005 I had a Barclays loan which I got into financial difficulty with. I have since repaid the loan in full and recently got a copy of my creditfile from Experian.

I noticed that a default has been registered in 2011 even though I have a letter from them dated in 2005 saying that my account was in default. I feel that this information is wrong as I cannot see why I would have been defaulted in 2011. I checked my bank statements for the whole of 2011 to see if I had somehow missed a payment and I had not. An agreement was set up with Barclays to repay the debt at a reduced rate which I did.

I am aware that you cannot be defaulted twice on one debt so I need to write a letter to the Data Controller or Barclays Customer services.
Is there a letter template or could someone give me guidance as to what I should be writing to them?

Thanks in advance :-)

dotdash79 · 19 April 2013 at 11:52AM

raise a dispute with experian that the information supplied to them is incorrect. Provide the default notice and they should investigate it.

They will contact Barclays then they have a period of time to respond if they don't the record is removed.

You need to check your equifax and call credit file as well as these could be wrong.

fermi · 19 April 2013 at 1:00PM

Page 19 onwards on how to complain.

http://www.ico.org.uk/for_the_public/topic_specific_guides/~/media/documents/library/Data_Protection/Practical_application/credit_explained_leaflet_2005.ashx

You can register a dispute via Equifax, but what usually happens is that they just tell Equifax that the info is correct and the Equifax sits back and refuses to do a thing about it.

So as per the ICO factsheet, it is usually wise to write direct to the creditor as well outlining your dispute, and stating that you will be taking that matter to the ICO/FOS etc if they do not resolve it to your satifaction.

Palookaville · 19 April 2013 at 7:32PM

Thanks, advice much appreciated.

Palookaville · 22 May 2013 at 12:10AM

Just an update, Barclays are in the process of removing this default. I wasn't given a solid good reason as to why it was on my credit file, probably they couldn't justify it but I am very relieved!

McKneff · 22 May 2013 at 12:22AM

Thanks for the update, it may help others in the future.

~Good luck.

fermi · 22 May 2013 at 1:04PM

Palookaville wrote: »

Just an update, Barclays are in the process of removing this default. I wasn't given a solid good reason as to why it was on my credit file, probably they couldn't justify it but I am very relieved!

Good.

Make sure they follow through with that.

Palookaville · 25 May 2013 at 12:36PM

Just to let you know that I have just checked my credit file and this default has been removed :-)

fermi · 25 May 2013 at 12:39PM

Excellent.

Default date on credit file wrong

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