The bank falsely claims our mortgage repayments are late, and can’t seem to rectify the mistake
We have a joint mortgage with Barclays but have just discovered that for the last 11 months the bank has been wrongly recording that we paid late. This is completely false – our payments have arrived on time – but it has trashed our credit score. Despite us repeatedly telling the bank it has made a mistake, its staff seem incapable of rectifying the problem, or even stopping it happening the following month.
Over the course of the last year we have had our overdraft limits reduced to negligible levels by Barclays and other banks. My wife had her credit card cancelled by Halifax with no explanation. I’ve had my credit limit reduced with PayPal. When I checked with Experian I found that my credit score had reduced from 980 to 480. Our complaints handler at Barclays admitted she was dealing with other similar cases. I wonder how many others are in the same boat but completely unaware of it. Can you help?
CS, Norwich