link financial and BC debt via Stepchange

[firstship]

Slick... NO but I have contacted both banks to get the exact date of default,will come back to you

 

Regards FS

[firstship]

Slick

 

Have just spoken to Barclaycard and they state they Have never defaulted the account

and they have now sold it on to Link,

 

so I have been paying them through DMP for nearly 6 years,

 

it looks like I am stuffed?.

 

thought they had defaulted the account

 

B/card also took all of the PPI that I claimed back

FS

[slick132]

Hi FS,

 

BC a/c

 

In what way are you stuffed. You've made token payments through the DMP over the years.

 

The PPI refund would probably never have been made to you direct.

 

Even though it'll be ages till the a/c goes SB'd, you could stop paying if the a/c is unenforceable. The debt should fall off your CRA files 6 years from the date the a/c SHOULD have been defaulted.

 

You can argue this point if BC or Link fail to comply.

 

Edited February 10, 2015 by slick132

[slick132]

Hi FS,

 

NatWest Loan a/c

 

I'm keeping this separate as we may need to split this to a new thread so as not to have 2 issues being discussed on the same thread. Or do you have an old thread about this case, that I can move these posts to.

 

If you have good evidence to show that the bank wrongly applied a payment to the loan a/c, you could conceivably argue this. However, you'd have had a far better chance of doing this back in 2009.

 

If no payments have been made since March 2009, the a/c will be SB'd pretty soon anyway.

 

[firstship]

slick,thanks for your response on both matters

 

Do not understand your point regarding B/card...... date a/c SHOULD have been defaulted,

I was hoping there was a default date 6 years ago so it dropped of my credit file .

 

I have asked Natwest to produce statements covering Jan 2008 up to Jan 2015,as I do not believe,they actually applied any money to this account,although they stated this on the phone

 

Thankyou

 

FS

[slick132]

Hi FS,

 

BC should have defaulted the a/c at the right time. If they failed to do this, it should not compromise your position.

 

You should be able to argue that the debt should fall off your CRA files 6 years from the date when the BC should have defaulted the a/c, if they'd acted with due diligence back at that time.

 

[firstship]

slick.... thank you I understand, and will pursue B/card along these lines,will come back when I receive a reply

 

Regards

 

FS

[firstship]

NO reply from Barclaycard,and

 

nothing from Asset Link Capital no5,to say they now own the debt,

 

if my memory serves me correctly they are required to write to me to confirm the Assignment,

 

or is the Barclaycard letter of Assignment sufficient??

 

FS

[slick132]

Give it a while longer to see if Link :-

 

1. Write to say they now own the a/c.

 

2. Show as owner of the debt on your CRA files and, most importantly, show a date for the default.

 

[firstship]

Quick question,

 

 

My Barclaycard debt was sold to Link early 2015,

 

 

the debt has been paid through cccs/stepchange for over 6 years

and continues to do so

 

 

but now paid to Link,who have suddenly put the debt onto a credit reference agency,is this OK????

 

FS

[AndyOrch]

Quick question,My Barclaycard debt was sold to Link early 2015,the debt has been paid through cccs/stepchange for over 6 years and continues to do so but now paid to Link,who have suddenly put the debt onto a credit reference agency,is this OK????

 

FS

 

Was it not showing previously under BC ?

 

Andy

[firstship]

Andy Hi.....No Barclaycard did not register the debt with any CRA

 

FS

[firstship]

More information

I have been paying Barclaycard and now Link for over 7 years

,managed to get PPI from Barclaycard who took the money to help pay of the debt.

 

 

Because of a number of debts I have I did not really check my CRA's until 2015

and Barclaycard did not appear,

 

 

this is why I am surprised that Link have now registered a debt with CRA

 

FS

[dx100uk]

old and new threads merged for history

 

 

dx

[dx100uk]

having read the numerous merges on this debt that has happened over the year wit thtreads

and the new information on another new thread today..

 

it appears to me that you checked your CRA file earlier in the thread

and this debt did show

but was not defaulted..

 

.. so nothing wrong with it showing today.

they haven't 'newly' registered it

 

however, having CCA's BC numerous times

and sending an SAR

you were advise several times the debt was un-en

yet you continued to pay.

 

the debt was sold to LInk

and you again sent a CCA request

link failed the CCA . but you still paid them..

 

so have link entered a default yet

[firstship]

dx...No link have not entered a default yet

 

FS

[dx100uk]

oh dear

 

its a shame you didn't follow slicks advise at post 61

 

you ideally need to write to BC

because when you entered this onto your CCCS [now stepchange] DMP this debt

they should have negotiated that the debt gets defaulted..

 

see what slick132 says

but id write with proof of the time you entered the BC card onto it

and ask that they default the debt from that date

 

that way

it would not not show [past 6yrs defaulted?]

then if I were honest, i'd CCA link again

and when they fail

stop paying the debt.

 

I hope you've followed the CCA request route on all you debts with CCCS? ...

[firstship]

Many thanks,

yes all debts have been approached for CCA requests

and have received them, SAR requested where applicable

 

thank you

FS

[dx100uk]

not being funny

but I an only see one thread here that contains any scans uploaded for approval.

 

 

dx

[firstship]

Thanks for your help I will TRY and upload the results from BC and Link when I receive replies

Thank you

FS

[dx100uk]

scan as pdf

follow the upload

[firstship]

Thanks OK will try when receive replies

 

FS

[firstship]

Barclaycard have sold my debt to Link and now Link have decided to apply this to my Credit File.Barclaycard details dropped of my credit file over 2 years ago, debt is over 8 years old,and I pay Link £5 per month same as I did with Barclaycard.Question is Link allowed to do this??

 

Thank you

 

firstship

[dx100uk]

prove the old bc default notice date

 

threads merged for about the 9th time.

same question asked several times already

post 70 has the answer

[firstship]

thankyou for reminding me