Hi -need some advice please about a Barclaycard taken out in 2007-my credit file says 17/7/2007 but I am sure it was March 2007. I fell behind with payments and eventually the account was defaulted on 14th January 2008 by Mercers. I have a copy of the default notice.
I realised at that stage that Barclaycard did not hold the original credit agreement as I had sent a SARS request and it was not in the papers that I received. I fought off several attempts from the various arms of Barclaycard-Mercers etc-each time asking them to produce a copy of the original agreement which of course they could not as it has obviously been lost along the way. To my knowledge no payments were made from early 2009 till this day. A mounting debt meant I had to employ a debt management company to fend off the various other creditors which was successful.
I have just received a copy of my credit report from Experion and see that the debt was defaulted AGAIN by Barclaycard-unknown to me-on the 08/04/2010. I would like to know if they can do this and also as they haven't got the original agreement how do I stand now? I was expecting to see the debt cleared from my file as the original default was in January 2008-7 years ago. It is still showing, I presume because of the more recent default. Any advice would be very welcome please.
I realised at that stage that Barclaycard did not hold the original credit agreement as I had sent a SARS request and it was not in the papers that I received. I fought off several attempts from the various arms of Barclaycard-Mercers etc-each time asking them to produce a copy of the original agreement which of course they could not as it has obviously been lost along the way. To my knowledge no payments were made from early 2009 till this day. A mounting debt meant I had to employ a debt management company to fend off the various other creditors which was successful.
I have just received a copy of my credit report from Experion and see that the debt was defaulted AGAIN by Barclaycard-unknown to me-on the 08/04/2010. I would like to know if they can do this and also as they haven't got the original agreement how do I stand now? I was expecting to see the debt cleared from my file as the original default was in January 2008-7 years ago. It is still showing, I presume because of the more recent default. Any advice would be very welcome please.
Barclaycard
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