Link and Barclay card debt - 6620000 blank CCA return **ACCOUNT CLOSED**

[AndyOrch]

Have you checked all the above requirements and what they have sent complies ?

[pigrocks]

Well, the photocopied letter from Barclaycard (which is addressed to me, although it has clearly been sent directly to Link) states that they 'enclose a reconstituted copy your credit agreement together with a copy of the terms of your credit agreement.." However, as my links show, all they sent were copies of the terms only. There is no actual agreement form at all.

 

It would seem to me that they haven't complied at all?

[dx100uk]

thread tidied

attachment now attached to the post above rather than a link.

 

 

its the std 66220000 stuff they send out to everyone that requests a cca from bc,

 

 

there one set of t&c's that has your details at the top and a generic agreement

don't think we've ever seen a case where these proved enforceable.

 

 

dx

[AndyOrch]

Well, the photocopied letter from Barclaycard (which is addressed to me, although it has clearly been sent directly to Link) states that they 'enclose a reconstituted copy your credit agreement together with a copy of the terms of your credit agreement.." However, as my links show, all they sent were copies of the terms only. There is no actual agreement form at all.

 

It would seem to me that they haven't complied at all?

 

Correct there is no actual agreement...there is a " please sign this agreement sheet " but no actual agreement just T&Cs...so yes they are in default.

[pigrocks]

post 17 pdf

[AndyOrch]

Yes that sheet

[AndyOrch]

Thank you Andy for your response.

 

So,

if I am understanding everything correctly,

what they have sent me is absolutely fine and they have fulfilled their obligation to my request? No because there is no agreement enclosed reconstituted or otherwise.

If that is the case, where do I stand now? Your decision...I personally would ignore link

Do I have to start paying them? See above

 

Your last line states:

 

 

"Provided that the creditor makes it clear that it accepts that the agreement is unenforceable pending compliance with section 78, there is nothing further which the debtor needs to do at that time."

 

Does this apply to me?

Yes

 

Andy

[pigrocks]

Andy

Thank you very much. I will ignore them gladly!

How long though do you think they will persist?

[AndyOrch]

Andy

Thank you very much. I will ignore them gladly!

How long though do you think they will persist?

 

How long is a piece of string ? Until they get bored and know your not biting back.

[pigrocks]

Hi,

 

Please help!

 

I received this letter from Link yesterday.

 

Do I ignore it, or do I need to send them something?

 

Thank you in advance.

Link 10.02.17x.pdf

Edited February 15, 2017 by pigrocks

[AndyOrch]

Its Default Notice issued by a DCA who is not entitled to issue one....only Barclays can issue it.

 

Andy

[dx100uk]

hehe that a very weird letter

1st link as a debt buyer cant issue a default notice

only the original creditor can.

 

 

its written on the 10th feb 2017

 

 

giving you till the 26th

urm only 15days even if it was something they could do.

 

 

 

 

is this debt on your creditfile already

if so whats the defaulted date?

[pigrocks]

Thank you. In that case I will ignore it.

I was wondering if they can carry out their threat of intended action - commencing court proceedings & informing Credit Reference Agencies of the 'default'.

 

Its strange. According to my Clearscore report, there is a Link Financial account with an account open date of 19th July 2009 (the date the original account was opened with Barclays).

When I check to see the paymeny history, there is a full payment record all the way back to feb 2013 with no missed payments.

 

When I check the closed accounts section, there is the Barclays account, opened on 19th July 2009, last updated October 2016, with no payments on the account between March 2014 and May 2015.

[dx100uk]

that's what you should see

now theres no default date?

 

 

go check noddle too

[pigrocks]

Hi DX100

 

Noddle tells me that the Link Financial account was opened on the 19th July 2009 and the status is up to date with OK monthly status between October 2016 to present, despite me not having paid them anything.

The closed Barclaycard account does not show up anywhere on Noddle. I checked the closed accounts and open accounts.

[pigrocks]

Hi, here is yet another letter from Link, received yesterday (27th March, although dated 23rd).

 

This one is just demanding money,

but the last letter I received threatened court action and passing information on to the credit reference agencies - can they do either of these things?

 

I can ignore letters easily, but I'm worried about the legitimacy of their threats.

Link 23.03.17x.pdf

[dx100uk]

they cant default only the OC can.

 

 

as for court

they have no more legal powers than you or I

in otherwords all they can do is issue a speculative claim.

dx

[pigrocks]

I wanted to give a quick update on my situation, as things have finally reached a conclusion.

Link Financial have closed my account!!

 

It took six months of ignoring them completely, but eventually they have given up.

 

I want to thank you all of those who have offered their advice here,

and also to encourage anybody going through the same thing to persevere and to trust what the guys here have to say.

 

 

I will say that I was worried throughout,

because you just don't know how serious their threats are,

but in the end the advice I was given here was absolutely spot on.

 

Thank you all once again.

[dx100uk]

well done

another fleecing attempt bites the dust!!

 

 

 

 

dx

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Please help.

[AndyOrch]

" Link Financial have closed my account!!"

 

Closed " the account " you have not got an account with them so no " my account ":wink:

 

Well done.

 

Andy