link financial and BC debt via Stepchange

[dx100uk]

:yo:

[firstship]

what or where is the legislation/recommendations,  that covers default date, example, card debt 2009 default, in 2016 link purchased debt and using their words they feel they have the right to record the debt under their name and debt purchase date in CRA's

FS

[AndyOrch]

If it has been assigned to Link then they must update with their name....as per the ICO guidelines....they are now the legal owners.

 

Andy

[firstship]

 Hi Andy `I thought they where required to observe the original default date 2009 and because 6 years have expired  not allowed to record the debt on any CRA

FS

[AndyOrch]

They are...if you have proof of the default date send a copy to the CRAs and tell them to correct it.

[dx100uk]

it can't comeback under links name no

 

is it showing on your credit file or not now?

this sound like a usual threat-o-gram for link.
 

[dx100uk]

is this..

 

https://www.consumeractiongroup.co.uk/topic/394312-link-financial-and-bc-debt-via-stepchange/

[firstship]

Andy, DX,showing on 2 CRAs now,

I have contacted Link and asked them to remove it from all CRAs,they simply say they have the right to record the debt,,I quoted ICO recommendations which they feel they can ignore

My question is simply is this legislation or a recomendation

FS

[London1971]

Incorrect, that should have gone long ago. It’s the law.

[dx100uk]

is it the old thread whereby you keep starting new threads and told what to do ...

but then disappear for a while

and then start another thread like this one (10th time) 

asking the same questions again when you have already been told what to do?

 

so did you write to link with proof of the old default notice from BC enclosed and gave them 14 days to remove it else off to the ICO letter ...??

and followed that through? 

what has the ICO told you?

 

[firstship]

dx yes it was the thread you refer to, should have linked to this to ask the question,

ICO want me to raise a complaint, which we are all aware takes for ever

Where is it written down they must use the original Default date???

FS

[dx100uk]

i see no proof here that BC did default the account before they sold it to link.

so the defaulted date on your file should be the date they sold it to link and that was registered by BC not link.

which is yet to reach 6yrs firstship?

 

 

 

[firstship]

dx thanks for your reply, should I need to pursue this further I will use the original thread

FS

[dx100uk]

i've merged them yet again.

 

so defaulted date?

 

dx

 

[firstship]

Thank you

FS

[AndyOrch]

1 hour ago, firstship said:

 Hi Andy `I thought they where required to observe the original default date 2009 and because 6 years have expired  not allowed to record the debt on any CRA

FS

 

Have you got proof of this...the original default notice ?

[firstship]

Andy will search out the 2009 default and come back

thanks 

FS

[firstship]

Link have now put in writing that this debt does not appear on any CRA

thanks for all the help

fs

[AndyOrch]

  Topic title updated.

[firstship]

Been paying creditors through Stepchange at approx £5 per month,

 

can no longer afford to do this due to cost of living increase.

 

Have approached one creditor to see their reaction, Link Financial, they have replied  NO, they will not write the debt off, even though I have stated there will be no further payments,

 

what action can they take the debt is  old, and Barclaycard the original creditor were able to produce a copy of a signed agreement.

 

many thanks

[dx100uk]

When a debt is sold you should always send a new cca request.

 

I would send everyone you are blindly paying a new cca re instead of running the sb date to infinity.

 

how long have you been with sterchange

[firstship]

Have stopped paying Link ,their reply

"although the account  is unenforceable I should continue to pay as the debt is outstanding"

Have not bothered to reply

 DX thanks

FS

 

[dx100uk]

 

should have done that YEARS ago.

 

dx

 

[firstship]

Correct

FS