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Old Barclays debt showing as a recurring 6 on credit file. Never defaulted

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  • Old Barclays debt showing as a recurring 6 on credit file. Never defaulted

    i had an overdraft with Barclays on a joint account which was my ex partners spending and dates back to about 20. I refused to pay it and he never did either. Barclays last sent me a letter about it in around 2010 but I've heard nothing since.
    I have recently looked at my credit file and found that instead of an old default which would have disappeared by now, it is showing up as a new '6' every month so continually refreshing as a bad debt.
    What should I do about this please - especially given the age of the debt? I want a new mortgage soon and won't get very far with this on my file. Thanks in advance for any help!

  • #2
    Roger
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    • #3
      Niddy has a blog with guidelines here
      https://www.all-about-debt.co.uk/for...rence-agencies

      Repeated use of 6 payments late should not be used in place of a default (specifically mentioned in the ICO guidelines on filing a default - section 4). ICO Guidance - Filing defaults with credit reference agencies
      http://www.scoronline.co.uk/sites/de...ment_final.pdf

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      • #4
        Originally posted by Kitkatmuppet View Post
        i had an overdraft with Barclays on a joint account which was my ex partners spending and dates back to about 20. I refused to pay it and he never did either. Barclays last sent me a letter about it in around 2010 but I've heard nothing since.
        I have recently looked at my credit file and found that instead of an old default which would have disappeared by now, it is showing up as a new '6' every month so continually refreshing as a bad debt.
        What should I do about this please - especially given the age of the debt? I want a new mortgage soon and won't get very far with this on my file. Thanks in advance for any help!
        Are they still reporting it as a 6 month in arrears? If so then they are misreporting it and they will have to report it correctly as a default in which case it would automatically fall off your credit history now given the age of it.
        Legal Disclaimer
        I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

        If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

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