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Hi All,
I had a Barclays credit card that went into default on 06/11/09. The debt was sold to Capquest and I pay them every month. My issue is that I checked my credit file and there is no sign of any Capquest account but the Barclay card is there and showing as a default for 5 months from July 09 to Nov 09. It shows that the balance of default is £2400 and the current balance is £1400.
My questions are -
Is this correct, that is to say if the balance is being reduced should this not be reflected?
Should my agreement with Capquest not be on my credit file?
Is there anything I can do to reflect that I now pay this and to stop it showing as a default with Barclay card?
I accept this was not paid initially and i have taken steps to address this but my credit file does not represent this in anyway. What if anything can I do?
Thank you in advance for any help!
Lou :-)
I had a Barclays credit card that went into default on 06/11/09. The debt was sold to Capquest and I pay them every month. My issue is that I checked my credit file and there is no sign of any Capquest account but the Barclay card is there and showing as a default for 5 months from July 09 to Nov 09. It shows that the balance of default is £2400 and the current balance is £1400.
My questions are -
Is this correct, that is to say if the balance is being reduced should this not be reflected?
Should my agreement with Capquest not be on my credit file?
Is there anything I can do to reflect that I now pay this and to stop it showing as a default with Barclay card?
I accept this was not paid initially and i have taken steps to address this but my credit file does not represent this in anyway. What if anything can I do?
Thank you in advance for any help!
Lou :-)
