Barclaycard Default date - wrong?

[dannybcfc]

Good Afternoon.

To cut a long story short, I defaulted in June 2016 but have just noticed what looks like a discrepancy. As you can see, I missed 7 payments but they have added the 6 twice. Should I have defaulted after the first 6 months of missed payments? Does this look harsh defaulting me almost one year later after a further 6 missed payments? I made a payment after the first 7 missed payments. I admit the default, I just need some advice whether I have grounds to get this date changed? I have tried contacting Barclaycard via email but no response....

I believe the default date, realistically should have been after the first 6/7 missed payments? It's that long ago, I can't even remember what notice etc I received as this was ages ago. I paid this default off, in full.

Thanks in advance for your advice.

Example of the credit file entry can be found here -

[echat11]

Hi Danny

Plenty of info here, read the whole article (not advising you to use the websites services~)

https://www.creditfix.co.uk/help-wit...notice-advice/

[dannybcfc]

Thank you. Has anyone experienced anything similar to this before? Seems that I have been done good and proper by Barclaycard.

[echat11]

Thank you. Has anyone experienced anything similar to this before? Seems that I have been done good and proper by Barclaycard.

Wait for Barclaycard to respond, if they don't or you are unhappy with their response, providing you have a final response / deadlock letter lodge a complaint with the Financial Ombudsman Service.

https://www.financial-ombudsman.org.uk/

If you need more info to lodge a complaint, send them a SAR, they will send you all the data on the account within 30 days.

https://legalbeagles.info/library/gu...ccess-request/

[dannybcfc]

Just an update on this one.

Lodged a complaint with Barclaycard who, after investigation, admit this was an error. They should have defaulted me after the first 6 missed payments. They are giving me £200 compensation for the inconvenience plus interest & late payment fees that were charged totalling £412. Just a heads up to anyone with barclaycard defaults - check the dates!

[echat11]

Well done.