- Sat Oct 16, 2010 2:16 pm
As far as I know, if they didn't actually default the account until 2009, (ie they just kept it running showing non-payments) then they are correct in what they have done.
If, however, you can show that Woolwich (or Barclays) wrote to you with a default notice at a much earlier date, then you can request the credit file to be changed accordingly (suggest you do all of that in writing, by recorded delivery).
Incidentally, I found that going into a Barclays branch was worse than useless for this subject. Not the staff's fault; I had a very friendly reception, but it seems that the "help-desk" staff still have to go through the same phone system as the general public does... and got exactly nowhere, just the same as we do!!! Grrrrr!
If Barclays refuse to correspond with you (they can be very difficult... one of the worst for credit file corrections in my experience), - and you have proof of an earlier default - then you have recourse to the Credit Agency, explaining the non-cooperation and requesting their help. They'll want to see that you tried first, of course.
I managed to get an incorrect linked address removed by Experian after I showed that Barclays ignored my recorded delivery letters (and they ignored Experian's queries too...). I considered this to be not just an incorrect data entry, but a possible personal data fraud too, so quite a serious thing to ignore... and Experian agreed!
Incidentally, I still have an outstanding query with Barclays, placed through their own website... everything sent to them regarding credit files seems to disappear into black holes. Really frustrating, but at least the Credit Agencies seem to know that!