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About pm1128711

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  1. Thanks for the responses, they've not contacted me again thankfully. My credit report has now updated and full ownership of the debt is show showing as belonging to Link, no mention of Barclaycard anywhere. My SAR also came through today, there was a copy of the original application in there as expected - worryingly it was in a very large and completely open mail bag, anyone could have had a read through what was in there! What's the next step with regards to reclaiming unfair charges? I've had a look around but it's all a bit overwhelming.
  2. Well they finally got in touch with me, received a letter a few weeks ago and last week they called my office and had the switchboard put them through to me, as soon as I realised who it was I put the phone down. To stop them calling that phone anymore I didn't really have a choice but to call them back and once through it was quite an interesting exchange. Let me just say that having got my Barclaycard online via an online application I'm willing to accept all responsibility for the debt, not risking a CCJ and continuing to pay by my Barclaycard agreed terms. Back to Lin
  3. I received two letters on the same day, one of them dated the 24th - this is the we've registered a default because you didn't make a formal arrangement with us (not for lack of trying), Your account is closed, passed to recoveries etc; The second, dated the 28th was a lovely glossy affair. Letters attached. Initially I noticed the account vanish from my Barclaycard Online account on Nov 25th, so I questioned it via Secure message and got a similar blurb; "Thank you for contacting us. We are unable to deal with your query at this time as your Barclaycard account is being transferred
  4. Do I need to wait for Link to get in touch to send them the CCA? or can it go straight to Barclaycard?
  5. A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to m
  6. Hi all, I have had an arrangement in place for five months now to pay off a Santander credit card, I received a letter last week from their collections department advising me that as I am experiencing financial difficulties and therefore wouldn't be making full payments on my account, I had breached my agreement and therefore a default is to be registered. I wrote to Santander to challenge this, to which their complaints department replied (with one or two slight grammatical errors, so presumably handwritten) saying that I'd received nothing more than a standard letter which is gener
  7. In January I took out a loan with Smile, the payment date of this was the 26th of each month. I sent them a message the other day asking if this could be changed to the 27th to tie in with the date my salary goes into the Smile Current account - I didn't want them to take a loan payment that took me over my O/D limit. In previous months this hasn't been much of an issue since the 27th has fallen on a weekend so I've been paid on the proceeding Friday. I've never had a problem amending loan payment dates, or Credit card Direct Debit dates. Anyway, Smiles response to my questi
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