Jump to content


Link and CCA failure - old Barclaycard debt


Simon1959
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1781 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Not without a cca

Plink were cash cowing you you found out..end of

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Letter from Link today

Informing me that I am in breach of my agreement if I don't pay the arrears then further action MAY be taken against me You dont have a live agreement with Link

 

This is to terminate the account and demand full payment and to commence court proceedings against me Account is already terminated..it was terminated the day they bought it

 

Also we will tell the credit reference agencies of your default which will be entered on your credit report They cant issue a default..only update any existing marker if not already passed 6 years..they are not a creditor...just a debt buyer.

Am I correct in thinking that they can't default it as Barclaycard have already done it before selling it on Correct

 

Also they still haven't sent me a signed credit agreement

 

Then they cant do court either all smoke and mirrors

 

Andy

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 months later...

Had a look on clearscore link

have put a late payment marker on my file which has sent my credit score into free fall

 

On the front page summary it says late payment / default/ repossession but I can't find any reference on the link account to a default it's also showing in the closed account section

 

When the 6 year anniversary passes does it go from open to closed accounts or just disappear altogether

 

Also is it 6 years from default with Barclaycard or 6 years from when link purchased it

Edited by dx100uk
spacing
Link to post
Share on other sites

6yrs from the date of Barclays default notice

then the debt should not show on the file at all.

 

The default notice was issued july 2012 so should drop of my credit file next month

 

if you've proof of this then WRITE to LINK

give them 14 days to remove the account or you will open a serious complain with the ICO and seek financial compensation

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

click my credit report

click financial account information

its that line you want

if it says default

and link have changed that date from the one BC set then complain with proof of org BC defaulted date

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

2nd Oct 2018 default date entered by link

Is it best to ring Barclaycard and ask for the exact date when they defaulted it and then ask for a written copy as I can no longer find the original

Barclaycard are no longer showing on my noodle credit file only link under closed

Link to post
Share on other sites

yes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Barclaycard say I have to make a request for copy of default and date by letter

Barclaycard are showing on Equifax I don't really understand credit reports but from Feb 2011 until link took it over in 2015 it showed as payment arrangement I can't see default on it only on link in Oct 2018

If the account wasn't defaulted by Barclaycard what should I do

Link to post
Share on other sites

You were asked to get the date they defaulted the debt?

 

So they didnt defaultit?

Only used tha AP marker?

 

Forget the calender section.

 

If they didnt default it write and complain

If should have been defaulted after the 3rd short/missed payment.

Inline with the ICO guidelines at the time

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok letter from Barclaycard account opened Oct 2006 assigned to link pre default status Feb 2015 so apparently the default issued by link is correct

Is it still worth complaining to Barclaycard for failure to default

 

I never missed a payment or ever late made an arrangement to pay with interest and charges frozen Feb 2011

Edited by dx100uk
merge
Link to post
Share on other sites

well the link default is thus invalid a debt buyer cannot default you.

 

Barclays should have defaulted you with 3-6mts of 3rd payment not in accordance with agreement T&C's - in you case 3mts on from feb 2011.

 

then you can take link on

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

as post 35

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Phone call from Barclaycard reference complaint

they have said they will inform link and default the account when it should have been defaulted June 2011

Obviously it wasn't as straightforward as them just saying they would do it

 

I mentioned the terms and conditions, escalating the complaint as I'd been disadvantaged over someone who had simply paid nothing let it default and then dropping off there credit file

 

they agreed to default it so does this mean when it's done it will disappear of my credit file as soon as they update the file

they did say it could take a couple of months before it's updated on my file

Link to post
Share on other sites

great result!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

They've sorted this quickly for you which is great.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 4 months later...

Really

Who they kidding

Powerless

 

As post 28

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...