Jump to content


  • Tweets

  • Posts

    • In this type of managed block most of the owners/tenants have other places elsewhwere and only use them occasionally so the concierge service have keys to ensure the smooth running of the block. Now I would be tempted to fit an old fashioned lock as well as the swipe pass if you are there all fo the time (subject to any necessary permissions). after all, it is for your convenience, not theirs
    • No-one can represent you as far as the debt liability goes so the CAB might have given your creditors a sob strory but that is not a representation by you so means nothing as far as the SB clock goes. My mum could admit that I owe money to a creditor and offer to pay but there is no relationship between her and the creditor so whatever she said or did wouldnt chaneg that. Now bailiffs like to pile on the guilt in trying to get relative to cough up for debts that arent theirs but they dont get paid otherwise.
    • Well, if they're living and working then they wouldn't be taking any state benefits surely?  So I dont see any issue.   Of course, the universal wage for all would eradicate any ill feeling towards people, and this constant narrative that someone is taking something from someone.  That's my real issue with capitalism if we move on slightly - we're all on different levels of the pyramid and most people are constantly looking over their shoulder at what the person next to them has.  Tory's talk about labour indulging in the politics of envy, but it's actually the capitalist free market system they have created which fuels this hatred towards other people.  I think that capitalism promotes competition and as such envy plays a big role in every one of us because we're all competing with one another...  better house, better car, better this and that.   Ask yourself if you'd be worried about an immigrant taking what you perceive to be yours by rights if there wasn't a more level playing field and people were treated equally regardless of where they were born/skin colour/gender etc?  People can't seriously be happy living like this.. constantly mistrusting, looking over your shoulder, paranoid, angry...
    • Could be a conflict of interest but if a family owned co you are not likely to get anyone else. can be someone of the same level. in all my years involved in union activity I have never met a licensed union chairman so mehtinks that you would be better off seeking independent advice or speak to the current branch officers of the union that has recognition/representation . If the confusion shown in your posts is translated into the workplace grievance procedures you may well end up worse off than with a simple and coherent presentation of your case so get someone else to be with you, ideally someone with the authority to actually represent you or the managers will fiond it difficult to undershatnd what it is you want
    • The result of not attending is already known to you. They will continue and the no show will count against you and may be worthy of dismissal in itself As for handing in your notice- too late, they are not obliged to accept it when a disciplinary hearing  is in the offing.
  • Our picks

pigrocks

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

style="text-align:center;"> Please note that this topic has not had any new posts for the last 857 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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?

Share this post


Link to post
Share on other sites

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
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.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
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


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Andy

Thank you very much. I will ignore them gladly!

How long though do you think they will persist?

Share this post


Link to post
Share on other sites
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.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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 by pigrocks

Share this post


Link to post
Share on other sites

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

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

that's what you should see

now theres no default date?

 

 

go check noddle too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

well done

another fleecing attempt bites the dust!!

 

 

 

 

dx

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

or by downloading our toolbar and using it to search the web instead of your normal search engine:- http://consumeractiongroup.co.uk/cag_plugin.php

Please help.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

" 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


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...