Link Financial for a BC debt

[mikeymack2002]

Hi guys having some strange behaviour by Link Financial for a BC debt that is 3 years old.

the time line is as follows

 

 

Default issued by BC 2011

NOA issued by BC 2013

 

 

Link financial now are the renta cop, I am helping a friend with this and know the rules, so I gathered all of the paperwork and delved in to this debt, not much paperwork tbh.

 

 

Next stage was to send CCA off to Link.

 

 

Link return Po as incorrectly filed out, (was to BC)

 

 

CCA was addressed to BC in a separate letter

 

 

link say they will not send off CCA or PO to BC

 

 

Link are acting obo of a different DCA called IDS I think (off the top of my head)

 

 

Since BC state I must correspond with their agents in all matters I Will wait till Link send me back the PO and re-issue it to BC and start the 12 day clock again Unless the original time continues from my failed CCA request.

 

 

The debt from BC is full of charges and a is CC debt.

 

 

I have requested the CCA to see if they have a copy then take it from there.

 

 

Once the CCA is back then I will be doing a SAR to get the statements to reclaim.

 

 

So the advice is can the DCA refuse to forward on the CCA request and wil the time clock be restarted

 

 

Thx MM

[spamheed]

No they cannot, the CCA request is simple, either furnish the document yourselves or forward on the request to the people who have the document.

Since you sent the request and appropriate payment to BC, then there is nothing else for you to do, assuming that you have a proof of posting and/or delivery, then the clock is ticking and they will be in default after the original 12 days.

 

 

No need to send a further CCA request

[fkofilee]

Stop.... Stop.... Why are you CCAing barclays? It's Link who that needs to be sent the CCA Request.

[mikeymack2002]

I know that lol but Link have sent the PO back to me saying that it is filled out incorrectly. It was made payable to BC and as was the CCA request. But was addressed to Link as per BC request. So as far as I am concerned this will then fall in to the bracket of a failed CCA request.

 

 

Please correct me if I have misread the rules?!

 

 

MM

[fkofilee]

Don't listen to either link or barclays... A CCA request always goes to the DCA. You make it payable to them and put on the back *Statutory Payment* only...

 

You can SAR barclays for the statements bet there is loads of charges on there!

[mikeymack2002]

PO was filled out correctly so no worries there, it will now be filed in the debt folder.

 

 

I will wait a week or two before sending a SAR to BC. Yes there are a massive amount of charges

[new-me2010]

Why wait to send the SAR?

 

You need the statements so IMHO get it done because you can start working on the amounts of charges

[mikeymack2002]

Whoa slow down horsey.... This is a waiting game. They decided to mess about then in all honesty tit for tat...

Yes it would be handy atm to have the documents but that comes later. . 1st poet if call is to see if they have the agreement and related documents. Or even if it is enforceable. ..

 

Once the CCA has been fulfilled I will need to spend some time reading the T&C's if they have them.... Once that is done I will then send out the SAN to get the rest of the information. ..

[fkofilee]

Nothing wrong to with a SAR to barclays now... Get the info... By doing this you don't acknowledge the debt in anyway.

 

If you go to claim charges etc... TThat's when it gets tricky.

[theoldrouge]

I would agree, no reason to delay sending the sar

[new-me2010]

I have noticed that people are very loathe to send for an SAR when advised by this forum and then get caught out when a court form arrives and the days for getting it run out.

[dx100uk]

yes esp where discounts letters have been received.

[mikeymack2002]

SAR already in the post as of today

[renegadeimp]

Just to add, link post the PO back because they use it as a stalling tactic. They know what they need to do but rely on peoples lack of knowledge of their rights to threaten or intimidate them.

[mikeymack2002]

The PO is on its way to BC and link as they are just an interested 3rd party can go shovel **it as far as I am concerned, Once the DSAR is back they will be informed that I will need at least 60 days to go through all of the data as the account was taken out several years ago.

 

 

There will be some pretty formidable charges to reclaim and need to get it right lol