Link Bought Four Of My Barclaycards

[slick132]

Hi Darv,

 

To save me hunting through all the documents posted, have BC or any DCA supplied you with a signed credit agreement or application form for any of the a/c's, If so, tell me in what number post the doc't is.

 

If no signed credit agreement or application form has been produced, and the a/c's are pre-2007, then court action to enforce the a/c's is not likely to be successful.

 

If you carry on paying nominal sums, the a/c's will never become Statute Barred.

 

The a/c's should stop showing on your CRA files about 6 years from when the a/c's were defaulted, or from when they SHOULD have been defaulted.

 

Continue to pay if you wish to reduce the debts. But it looks like the debts may not be enforceable and continuing to pay them may not get you anywhere.

 

[stevehatesbankers]

darvishani,

 

 

been reading this thread with interest.

 

 

You are beating yourself up over this.

 

 

I had issues with Barclaycard years ago and took the advice of people like slick and dx100uk and I would suggest you do the same.

 

 

You have been advised to stop paying them so stop paying them.

 

 

Link will eventually sell to somebody else.

 

 

As mentioned several times, WHY would BC sell the debt if they had all the correct documentation.

 

 

No correct executed credit agreements means no need to make further payments.

 

 

6 years is a long time to wait but it then becomes Statute Barred and you have saved £50k

[Darvishani]

Thank you so much for your advise

 

There is no signature and no contract and barclays are not that crazy to sale the 50k debts to link without even defaulting my name

 

 

I am going to stop paying them altogether and If I hear anything I will let you Know .

 

Many Thank to all of you for helping me and give me advise and support.

[dx100uk]

please do

 

 

and ofcourse stay off that phone!

 

 

dx

[Darvishani]

Thank you so much

I will avoid them and their calls

Many Thanks