musicronny
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Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Barclaycard took over this debt around 2011. Sure Egg credit card business was sold to barclaycard at that time. My payment for this debt is going to barclaycard -
Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Hi, and thanks. No-ones chasing it at the moment, its on my DMP with payplan. Was just seeing what my options are with each of my defaulted debts. -
Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Hi, Just wondered if anyone thought this account was unenforceable. CCA link in post #4. Cheers -
Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Thanks dx100uk -
Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Hi Bandit127, The first 3 posts are from my original thread started in 2010. This was shortly before I defaulted and went onto my DMP. I'm revisiting this as I cant see any light at the end of the tunnel with my debt amount. Thus seeing what are unenforceable. -
Advice on my Egg card Agreement and what to do next
musicronny replied to musicronny's topic in Barclaycard
Hi, I defaulted on a Barclaycard (originally egg) account in 2010. I am on a DMP and and they have been getting their cut since early 2011. The Egg card was taken out in 2000 and transferred over to Barclaycard in 2010 around the time i got into financial difficulty. I have sent a CCA request to Barclaycard and had the reply below. Question is, is it enforceable or not? http://s840.photobucket.com/albums/zz328/musicronny/Egg%20CCA/ Thanks in advance. -
Ok, I'll look to get them done and sent. Below is a link to the reply I had from a CCA request to Barclaycard (originally EGG). http://s840.photobucket.com/albums/zz328/musicronny/Egg%20CCA/
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Thanks for the information ims21 & dx100uk, I have passed this onto my friend. As for me, this has thrown a totally different complexion on my situation. I take it with the correct paperwork a creditor could take the court action route and undoubtedly win. Does that mean I will have to see if I have any accounts with unenforceable agreements to counter act the possibility of this happening? Just a little to give you an idea of my situation. I am currently on a dmp with payplan. I have 7 creditors in total of which 6 have defaulted me, all in 2010, and 1 other account that is being marked (6) late payment markers every month. There are 5 credit cards, 1 loan with Halifax (opened 2008) and 1 bank account with barclays (opened 1996). Credit cards 1> Tesco opened 2008 2> Barclaycard (was EGG) opened 2000 3> Link Financial (originally MSDW then goldfish then Barclaycard) opened 2002 4> Cabot Financial (was MBNA) opened 2004 5> Idem Capital Securities (was Halifax) opened 2007. Are there any prime candidates to start sending letters to there? Cheers
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Hi ims21, thanks for the information. So in reality, whilst I still owe or haven't settled any of my debts, I will be open to the possibility of CCJs.
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This new found information has got me worried now. a creditor, who I've defaulted, can also go for a CCJ and it will stay on my credit file for 6 years and not drop off with the original default. I also have a number of defaults that will drop off my credit file in less than 2 years time. Whats stopping any of those creditors going for a CCJ against me and screwing my credit file up for a further 6 years? Worrying..
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Thanks for your reply. So in effect a creditor can ruin your credit file for 12 years in total! Wow, I wasn't aware of that.
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Hi, Its just some confirmation I'm after. I've always though that any account that had been defaulted will drop off your credit file approx 6 years from the date of that default. Regardless of what action the creditor took after the default date (inc. CCJs). A friend has been told by one of his creditors that if they decide to go for a CCJ against his defaulted account then that account would remain on his credit file for 6 years from the date the CCJ was applied and not the earlier default. The account was defaulted 2 years ago. I've told him this is not the case.
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Hi dx, Yes my Noddle credit file looks the same as the attachment. Regards CCA's, if Link fail to provide the original signed agreement (which they will) what are the next steps I should take with them? Thanks
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But won't that affect my overall credit score when applying for a mortgage? As the other accounts, with defaults, will drop off my credit file at the end of 2016... the link account will stay on my file until 6 years after its settled
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So, as it seems Link are doing nothing wrong, I will have to write to BC and get them to check their records and get their Data Controller to change the status of the account to defaulted. As a rule, how many months in arrears does an account have to be before it's defaulted?
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The reason I want to sort this default status out is because it will be the only one left on my CF in 3 years time as the others will drop off. Until then I will be paying my DMP and looking to make reduced F&F settlements with as many creditors as I can. I will be playing hardball with those who cannot produce a valid CCA which as to date is 2 (BC & Halifax CC) and maybe an Egg Card which was also transferred to BC in NOV 2011. http://s840.photobucket.com/albums/zz328/musicronny/Egg%20CCA/ Egg CCA All the help and advice is much appreciated.
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Hi dx, I have checked CRAs CheckMyFile and Noddle and both have Link as the owner of the debt and both started with (6) markers from May 2012. Here are the markers that BC put on the account from Mar - Dec 2010. MAR (1) APR (AR) MAY (AR) JUN (AR) JUL (AR) AUG (2) SEP (3) OCT (4) NOV (5) DEC (6)....The (6)'s until sold to Link. I CCA'd this account in 2010 when BC owned it and they sent me their current T&Cs at that time. I would imagine, as this account has been passed from MSDW to Goldfish to BC, that the original signed agreement (2004) can't be found.
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Hi BRIGADIER2JCS, I received the DN from Mercers in Oct 2010 and my first payment into my DMP was Nov 2010. I haven't spoke to or payed barclaycard anything since May 2010 other than through my DMP. Regards
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I'll get them CCa requests sorted. Cheers
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I took the original Morgan Stanley card out about 2004
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Thanks for the replies. There's no mention of a default, at all on my file for the link account. The other 4 accounts that also defaulted, have the date the defaults were registered. I am on a DMP with payplan and the barclaycard was included. So they are getting something every month!
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Hi, I defaulted on 5 accounts in 2010, of which 4 of them registered a default on my credit file. The other one, Barclaycard, transferred the debt in May 2012 to IDR Finance and they have appointed Link Financial to manage the account. I checked my file last month and Link Finance have been marking the account on my credit file every month with a (6) and a BB underneath. Whilst the debt was with Barclaycard, I received a Default Notice through Mercers in Oct 2010. Has anyone had any experience of getting Link finance to change these entries to the correct status? And are there and standard type letters I can send to them? This Barclaycard was originally a Morgan Stanley card then a Goldfish card before becoming a Barclaycard. I CCA'd Barclaycard in 2010 and they sent me T&Cs. Any help would be greatly appreciated.
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Help with self employment contract
musicronny replied to musicronny's topic in Employment and minimum wage problems
Thanks for the excellent reply chesham. Theres nothing on the internet regards this company taking other agents to court. Maybe I'm the first? The reality is though, due to my poor financial situation, I couldn't pay it back anyway. So the only choice I've got is to let them play it how they see fit. -
Help with self employment contract
musicronny replied to musicronny's topic in Employment and minimum wage problems
Try this
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Help with self employment contract
musicronny replied to musicronny's topic in Employment and minimum wage problems
This is the contract. The first signature was signed on behalf of the MD. The MDs name is below the signature so they PPd it. The second was mine with my name below the line. The third is the witness who wasnt actually there so I dont know who it is. Their name isnt below the line.
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