Barclaycard AP removal [successful]

A question about : Barclaycard AP removal [successful]

Hi
Just wondering if any 1 could help me out if possible please

Im coming to the end of a DMP October this year and I have 3 barcleycard accounds all saying AR from 2007, (card 1Ј150)(card2Ј220)(card3Ј500)left to pay on them I can afford to pay these now in full if needed or carry on till October Just im worried that these AP will still show for years after I have finished as a default would of been better as would remove after 6 years from 2007 all other accounts have defaulted me and drop of in oct-nov this year that are also on this DMP

Any chance of a nice polite letter would work or not ?

Best answers:

• There's been loads of threads on here about Barclaycard and this sort of thing.
  The ARs will stay on file for 6 years from when the account is settled, I.e. Paid off.
  I would write a complaint stating the accounts should have defaulted within 6 months as per the ICO guidelines.
  https://forums.moneysavingexpert.com/....php?t=3172602
  If they refuse, refer to a FOS.
• Many thanks for your reply happy bunny ,does any one have a template or address to send to or email
• No template for this I don't think. Don't really need one. Just state what I said above.
• sent the below all accounts now deleted on Experian and Equifax
  
  
  Formal Complaint
  Re: Account No.s x3 accounts
  Sir/Madam,
  I refer to the above mentioned Barclaycard Accounts which is being reported on my credit reference files.
  Barclaycard has been reporting arrangement to pay markers (APM / AR) on the above accounts since 03/2007 - over 7 years , which places me in a disadvantage compared to a debtor who has had an account defaulted .and therefore will continue to appear on my credit file until March 2020 It would appear that Barclaycard has used arrangement to pay markers in place of a default on the account, It is understood that the Information Commissioner's Office does not agree with this and states that this is Unfair practice.
  The definition of a default
  9 A ‘default’ can be said to occur as soon as a borrower fails to meet the terms of their credit arrangement.
  An ‘arrangement to pay’
  21 This involves a temporary, short-term (up to six months) arrangement where the lender agrees to accept reduced payments
  I believe therefore it is against Information Commissioner's Office guide lines for this debts not to have been defaulted on or before 03/2007.
  I ask therefore that you place a default date of 03/2007 with all 3 credit agencies for the above 3 accounts. This will bring it in line with my other debts that was all defaulted at same time on entering my DMP
  These AP/AR markers are likely to cause considerable problems to me financially as the account should have been defaulted in 2007 and the default removed in 2013, this data will be displayed nearly 5/6 years longer than necessary.
  I will continue to pay payments on these accounts until fully paid
  I look forward to Barclaycard sending a prompt and proper reply.
  Regards
  
  
  
  
  
  
• Good result
• Fantastic.
  I'll post a link to this on the DMP thread.
• Great result!
  Did they acknowledge your letter?
  How long did it take them to remove the accounts?
  Could you confirm which address you sent the letter to
• Would it be worth my time sending a similar letter to both HSBC and Capital One?
  My Arrangement to Pay markers fall off in September of this year but having a look at my Equifax credit report, Capital One reported AP markers from October 2004 through to the settlement of my credit account with them in September 2008; HSBC applied these marks from October 2005 through November 2006.
  Excellent result for the OP; it's great to see something positive come from something negative!
• All done under 3 weeks all done by email ,Very nice lady helped me out
  il check email Monday at work
• Thanks Gaz, an email address would be really useful. I have Barclaycard AP markers from 2007 also
• After seeing this thread I've just had a look on my Experian account, and lo-and-behold, the account has been marked as AR since March 2008.
  They're marking the last six months as late payments (despite having agreed to, and accepting payments from, my DMP), I assume prior to adding a new default.
  Time to send a letter like the above I think!
• Bit of a bump…
  I sent a letter based on the OP's, and today had a voicemail asking me to call about my complaint.
  Fully expecting them to fob me off, I called and explained that I entered my DMP in 2007, and as such would have been making less than their minimum payments the account should have been defaulted, and off my credit report by now.
  The guy I spoke to was (surprisingly) extremely helpful, and after a brief hold where he was apparently conferring with a manager, he came back and agreed that the account should have been defaulted over six years ago and that it was unfair to still show as arrangement to pay until the account is settled.
  Long and short of it, they're correcting the account to default from the end of 2007, so it will come off CRA files next time they're updated.
  If not for this thread I wouldn't have investigated my own Barclaycard records, so thanks to the OP and everyone else's comments!
• Hi, can I have the email address for barclaycard complaints ?
  Thanks
• Well done that is good news I wish I could get that to happen on my accounts all the best
• I am currently trying to get the same amended with my 2 Studio accounts which were on arrangements for over 6 years until I changed them back to normal payment terms in Jan this year. I only changed them back as I read some posts on here that said arrangements were bad for your credit file and so I could get some history of normal payments but I realise this will take time. I want to clear the accounts but that would just make the most recent history nearly all ar statuses so am just paying minimum payments at moment. I have written to them once and they replied "your account hasn't defaulted with Studio cards and is still open and has never been passed out to an external debt collector. Due to this it will show as an outstanding debt on your credit file." So I have now sent the letter above as maybe my one didn't explain things properly. Doesn't look like I'm going to get anywhere though
• It s funny how people are treated different I was told you agreed to have that marker by going on a ten year repayment plan