After a CCA request to Barclaycard showing that they didn't have an enforceable credit agreement I stopped paying them around 2009. Although I was still in contact with them (via a solicitors) to dispute the debt until early 2010.
I've checked my credit file and the debt is shown, but with no default date. I have dug through the old paperwork and found a default issued in April 2004 by Mercers Debt Collections.
Should this default have been applied to my credit file (which whilst sounding like a bad thing) would mean that the default is now over 6 years old and all records of the debt should be removed from my credit file.
Can I request that due to the Default, they remove everything from my credit file, or should I wait until the debt is Statue Barred (not sure what the criteria for that is though) and then ask them to remove all trace from my credit file and confirm that the debt is Statue Barred making it all pretty much dead & buried?
I've checked my credit file and the debt is shown, but with no default date. I have dug through the old paperwork and found a default issued in April 2004 by Mercers Debt Collections.
Should this default have been applied to my credit file (which whilst sounding like a bad thing) would mean that the default is now over 6 years old and all records of the debt should be removed from my credit file.
Can I request that due to the Default, they remove everything from my credit file, or should I wait until the debt is Statue Barred (not sure what the criteria for that is though) and then ask them to remove all trace from my credit file and confirm that the debt is Statue Barred making it all pretty much dead & buried?
No Default on Credit File, despite default being issued by Debt Collection Agency
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