Jump to content


  • Tweets

  • Posts

    • thread title updated post one made easier to read understand.  link to documents/pictures previously posted to our facebook page added. dx
    • Ok, sure! The company is Community Fibre. The issue is that while my internet speed from tests is extremely fast, I still experience delays in loading websites, connection issues on conference video calls, etc. I called & spoke to an agent, who had extremely poor communication skills and kept misunderstanding the problem & going round in circles. After half an hour of this, I asked if I could speak with a manager, but was told none was available. He eventually promised one would call me back within 24-48 hours, but no call came. I have now written to them explaining everything,  I am waiting for a response (I have an acknowledgment of the complaint). The 'manager will call you back' is a broken promise I've experienced a few times from different call centres/companies over the years, which is why I was curious how others have dealt with that & if there's a good general approach to this. Virgin Media (whom I was with in the past, and had a number of issues) were notorious for a whole range of awful examples of customer service, and this was their favourite it seems!
    • Link to TiredDodo's thread, it's the one below yours on the main page of this subforum. Once you've done your paperwork you should read other Freedom pass threads to understand what may happen next. HB  
    • Post Office scandal expert Moorhead predicts solicitor strike-offs Richard Moorhead, professor of law and professional ethics at the University of Exeter and a prolific writer on the Horizon scandal, said it was ‘highly likely’ that people would be removed from the profession. He added that he also expects one or two individuals to face criminal prosecutions. He was ‘cautiously supportive’ of the Solicitors Regulation Authority's position of waiting until the public inquiry has finished before taking any decisions on disciplinary proceedings, saying the regulator has been doing a lot of investigatory work behind the scenes. But Moorhead said the SRA should provide ‘greater clarity and detail’ about what it is doing currently.   Professor Richard Moorhead predicts strike-offs over Post Office Horizon scandal | Law Gazette WWW.LAWGAZETTE.CO.UK Lawyers have been 'everywhere' in the scandal, Professor Richard Moorhead tells legal ethics conference.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Link Financial & Barclaycard


KW-01
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2742 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I have a friend who has got into a bit of a mess financially due to a relationship breakdown. I am helping with a number of debts but he has one which Link financial are chasing on behalf of Barclaycard.

 

I have sent the standard CCA request letter to which we received a response stating it will take up to 30 days to obtain this information for Barclaycard.

 

I then sent a follow up letter advising that the account was in default as they had not complied within the statutory timescales. i also tried my luck with a request to cease processing personal information as my friend has a high profile job and Link have registered a default against his credit file without offering any proof the debt belongs to him. I stated that this could be professionally damaging to him.

 

The replied advising that they are still awaiting documents from BC and confirmed the debt is unenforceable until they provide the documents requested. They also said it remains collectable and that they will not remove the default (I never asked them to remove it)

 

They did not acknowledge my data protection request only stated they would not remove the default. My letter clearly stated that they were to either comply with my request under the DPA within 21 days or provide a detailed breakdown as to why they were refusing my request and their reasoning for continuing to process data. They have not acknowledged this.

 

So I am hoping someone may be able to advise me what to do now. I have sent a notice of correction to the credit agencies explaining that the account is subject to a CCA request. Is there any way of having this default removed considering Link have not proved the debt?

 

I would also really appreciate any help in relation to the DPA and their failure to acknowledge my request or provide sufficient reason for continuing to process data.

 

Many thanks

 

Kate

Link to post
Share on other sites

Hi KW-01

 

Welcome to CAG.

 

First off, wait until they come back with something.

Number 2, they wont cease processing personal info as it doesnt stand at this point. They also wont remove the default. Im afraid itll mean the default will remain until 6 years after the default date.

 

I would ask your friend to register and explain the situation in full so we can give good advice :)

Keep a log of everything that you have done should they attempt anything sneaky.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Hi

 

Thanks for the quick reply. I have kept everything as I know from personal experience how sneaky DC's can be. I'm afraid he won't register as he is always pushed for time which is why I agreed to do it for him. This is a great forum and I hope to learn a lot from the members.

Link to post
Share on other sites

the default would have been entered by BC before the sale.

 

not a lot he can do about it sadly

 

as for dispute

section 10 etc

its pretty much immaterial now-a days.

 

and yes link are correct

they can still ask for payment

and he can still tell them to go away.

 

FWIW unless or until link or any of his others creditors produce enforceable paperwork

it best to simply go quiet

rather than enter into silly letter tennis.

 

 

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... 

Link to post
Share on other sites

  • 3 months later...

Hi

 

We have finally received a response from Link after sending the CCA and DN request. The CCA response is a copy of a printed document which you can hardly read. What we are more concerned about is the default notice which was issued by Mercers.

 

I have attached a picture of the DN and as you will see it does not look right at al. Spacing is all over the place and it does not state the consequences of failing to pay. I would appreciate your thoughts on whether the DN contains everything it should and if it is enforceable.

 

Many thanks

DN.jpg

Link to post
Share on other sites

can you pdf that please

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... 

Link to post
Share on other sites

that's not a default notice

there are numerous thread here detailing those defective mercer DN's.

 

but that's immaterial anyway

we need to see the agreement they have sent

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... 

Link to post
Share on other sites

Thanks very much.

 

I will get the agreement uploaded today.

 

I didn't think this looked like a standard default notice at all so thanks for confirming my suspicions.

 

I will try and find the old threads relating to Mercers.

Link to post
Share on other sites

timing is wrong too 14 days + postage

2 1st class

4 2nd class

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... 

Link to post
Share on other sites

Great thank you. I'm guessing that the Christmas bank holidays would not be included in the 14 days either? I'm working on getting the application uploaded but any help in relation to getting this default removed would be much appreciated.

 

Many thanks

Link to post
Share on other sites

not much chance of that sadly

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... 

Link to post
Share on other sites

Please forgive my lack of knowledge here but if the document is not a default notice how is there not much chance of getting the default removed? Thanks

 

I have also attached what they sent in response to the CCA request. I spoke to someone at Barclaycard a number of weeks ago and they said that they had never defaulted the account then Link produced the DN from Mercers.

 

Thanks in advance.

cca return .pdf

Link to post
Share on other sites

when did he take the card out?

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... 

Link to post
Share on other sites

when did he take the card out?

 

January 2012.

 

When I spoke to Barclays they said that the account was closed in April 2013 and sold to IDR (Link) in August 13.

 

 

The default Link have entered is dated May 2013.

 

 

Link advised that this was the date Barclays registered the default,

yet Barclays said they never defaulted the account.

 

 

It's quite hard to tell what's gone on as the Mercers DN is dated December 2012.

 

Many thanks

Link to post
Share on other sites

well don't trust anything link say do or send.

 

a debt buyer cant default an account

only the original creditor can do that.

 

as for the default issue itself

doesn't really matter that the mercers DN is defective, as they all were .

they'll simply issue a new letter that's complaint.

 

the debt obviously had issues so was defaulted

all they have to do is have a record a DN was sent not that oneexist

that what link has supplied is a template that they probably got out of their filing cabinet keep it safe.

 

now how about an sar to Barclaycard?

get the truth.

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...