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Link Financial -Barclaycard CCA request


Red76
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Hi

 

I have been in a DMP with StepChange for about 4 months now and it seems to be going fine - the threats/chasing letters are drying up. Most of my debts were defaulted in 2011/12 and have been passed to DCAs.

 

My account with Barclaycard was initially passed to Mercers (who I believe are part of Barclays) and I received a default notice in December 2011. The debt was then assigned to IDR Finance and is run by Link Financial.

 

When I check my equifax report (yet to do experian), the account does not show as a default - rather a series of status '6' since April 2012 (it is showing as Link Financial, not Barclaycard). I know this isn't a good situation and need to get it changed to a default (at least then the clock is ticking towards the 6 years). Surely if a default has been issued it should be reported?

 

What is the best way to get this rectified? Do I write to Barclaycard, Mercers, Link or Equifax or all 4? Are there any templates or is it a straightforward letter describing what has happened and requesting the status be changed to default with a date of Dec. 11?

 

I have seen a number of other threads re: defaults and CRAs but they do not quite address my questions...

 

Thanks

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  • 2 years later...

Hi, a few weeks ago I submitted a CCA request to Link Financial regarding my Barclaycard account which was defaulted and transferred to Link in 2012.

 

 

The account was opened in mind-1990s and the current balance is around 8k.

I have been making payments through my DMP for nearly 3 years.

 

In response,

I have received from Link today a letter from Barclaycard saying that they have satisfied my request and met their obligations by enclosing a reconstituted copy of my CCA.

The CCA itself is 6 pages long.

 

 

The first page contains my name and my address when opening the account all those years ago.

 

 

Page 2 is a photocopy of 'Barclaycard Conditions of Use' -I assume that these are supposed to be the terms which applied when I opened the account.

 

 

Pages 3-5 are a second set of terms and conditions - I assume these are the more recent ones which applied when I defaulted.

 

 

The last page is just a statement of my current balance signed by someone from Link.

There are obviously no signatures of mine to be found anywhere.

 

Does it sound like Barclaycard have met their obligations - does this type of CCA meant that the account is enforceable?

 

My main objective in submitting the CCA request was to try to assess the amount of a potential final offer to settle.

 

Thanks

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if you took the account out in the 1990's then they'll need the signed agreement

end of.

 

 

pers I'd be dumping stepchange and doing the DMP yourself.

 

 

as I doubt, that, as you've found out link is now cash cowing you

they'll allow one debt to be stopped

 

 

I see you've others awaiting CCA returns too?

 

 

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... 

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Yes, thanks. Thats what I was thinking also - so that I could pay those which I know are absolutely are enforceable deal with the others?

 

Sorry - I hit post too soon with the reply above. What I meant was to switch to my own DMP so that I can pay those which I know are absolutely enforceable and then deal with those which I know are not in the appropriate ways (be that final offer settlements or not)?

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not - IMHO!!

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... 

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