Barclaycard credit card/link financial

[Tbirdo]

Hi there

This is an update of my original dmp CCA Request thread.

 

Barclaycard CC taken out 2008, Link took over 02/2015

Amount £1800 was paying £20 on dmp

I stopped paying LInk 08/2017, did the 3 letter process, sent for a CCA request 21/01/2018. The 12+2 time has passed no reply until today.

 

I have received a statement of account letter, they have acknowledged the CCA request and credited my balance with the £1 fee for the CCA.

 

Can they do this ? Should I wait for further responses ?

 

Any advice is appreciated, thanks

[Bazooka Boo]

Oh boy, not the ''three letter process?''

 

No such thing.

 

They can do whatever they like with the £1 stat cca fee, it won't reset the limitation clock.

 

Wait for the CCA, however, this was post 2007so was it an online agreement?

 

Who was the DMP, and are you still with them? What was the reason you stopped paing sharklaycard in the first place, and why did you stop paying Link?

[Tbirdo]

I can’t remember if it was online or not.

Dmp was with debtmovers/Moneyplus, I ditched them when I realised they were charging me £37.50 for their services. They managed my accounts, I got into too much debt and could not keep up the payments.

 

Barclaycard agreed to a lower payment of £20 a month from 2009/10

They then advised me link had taken over the account 2015, payments continued through dmp to 08/2017. I offered a full +final payment to link but to no luck. This is when I stopped paying them.

 

I stopped paying because I was struggling to keep up with payments, I offered to pay £10 a month, but they were not prepared to accept. They wanted a full expenses and expenditure form filled out, I refused to do this.

 

The account was opened on 08/2007 sorry for the mix up of dates

[Bazooka Boo]

Have you got copies of payments made to Moneyplus?

 

Have you also got copies of the money they sent to sharklaycard?

 

Have you got an annual statement of account from Sharklays?

 

What is the total outstanding now?

 

If sharklays have refused your generous offer of £10 a month IN WRITING, then drop the payments down to £1 a month for the life of the debt.

 

IF, you've been corresponding with the clowns over the phone or email, then STOP, and get a paper trail of evidence together, along with your offer, which is VERY generous!

 

Have you reclaimed everything you can off the account? PPI, fees, charges, interest?

[dx100uk]

payments have stopped last years

look on Tbirdo's main thread BB

[Tbirdo]

hello bazooka and dx sorry for the late reply

 

Have you got copies of payments made to Moneyplus?

Direct debit through bank account

 

Have you also got copies of the money they sent to sharklaycard?

Just the statements from DMP company, and now the statements from Link Financial

 

Have you got an annual statement of account from Sharklays?

No, just the statements that Link Financial send me

 

What is the total outstanding now?

£1800 now, £3000 originally

 

If sharklays have refused your generous offer of £10 a month IN WRITING, then drop the payments down to £1 a month for the life of the debt.

The offer was made to Link Financial who refused, no contact with barclays since 2009

 

IF, you've been corresponding with the clowns over the phone or email, then STOP, and get a paper trail of evidence together, along with your offer, which is VERY generous!

yes i have been on the phone to Link financial (not any more), last contact 09/2017

 

Have you reclaimed everything you can off the account? PPIicon, fees, charges, interest?

Barclays agreed to freeze interest and did so, i don't remember having ppi, i honestly don't know if there were any charges applied to the account

 

Many thanks

Edited April 29, 2018 by dx100uk
highlights

[Tbirdo]

Hello there

 

A quick update, link have now defaulted the account, even though they have not complied with my CCA request.

Can they do this ?

 

I was under the impression that until they comply with the CCA request the account is in dispute ?

 

I really don’t need a default as I am trying to get a mortgage.

 

Any advice is appreciated

[dx100uk]

either ring BC and ask what date they defaulted the card [i bet they did}

 

LInks default is meaningless and they cant default you only the OC can.

 

get an sar running to Barclaycard

find out if they defaulted you before.

is this showing on your credit file still?

[Tbirdo]

Thanks for quick reply

 

On my credit file it’s showing LINK.

Barclaycard account closed 08/2015 balance zero.

[dx100uk]

well bc must have defaulted you to be able to sell the debt on.

[Tbirdo]

Ok. I will send an SAR. Hopefully find out the date of Barclaycard default. I will ring them aswell.

 

You say that links default is meaningless, but it is showing on my credit file. Will this not be seen with me trying for a mortgage ?

[dx100uk]

yes it will so that's why you get the info and attack

[Tbirdo]

Right ok. I will get the SAR going and take it from there.

 

Thank you

[Tbirdo]

Hello there.

I have got my documents from Barclays.

This account was defaulted 02/2015 by Barclays.

 

DX is right it was defaulted and then LINK took over 08/2015 as this is the date shown on credit file for Barclaycard account closed. Balance zero.

 

Any advice on what to do next is appreciated

[dx100uk]

as I said

 

now you say Sink never replied to your CCA request?

[Tbirdo]

No reply for the CCA since 02/2018, just a letter of statement where they have taken the £1 payment and deducted it from the outstanding balance

 

Just gone through some letters from link I did receive a letter titled

“”Default notice served under section 87(1) of the CCA 1974””

This was in 01/2018 because I was in arrears with LINk since I stopped paying them .

No reply to CCA Request

[dx100uk]

then you ignore them till they comply

[AndyOrch]

No reply for the CCA since 02/2018, just a letter of statement where they have taken the £1 payment and deducted it from the outstanding balance

 

Make a note at side of the entry ...CCA request fee..not payment towards the debt.

 

Just gone through some letters from link I did receive a letter titled

“”Default notice served under section 87(1) of the CCA 1974””

This was in 01/2018 because I was in arrears with LINk since I stopped paying them .

No reply to CCA Request

 

Link cant issue a Default Notice...they are a DCA not the creditor.

 

 

Andy

[Tbirdo]

Thanks Andy for reply.

 

What would be the best thing to do ?

Do I write a letter to link informing them they can’t issue a default ?

 

It’s strange how they are always sending letters for this account only and not my (Morgan Stanley) account, which has not been defaulted by link yet

[AndyOrch]

Anything connected to link...forget about

[Tbirdo]

Ok.

Will carry on filing letters then.

 

Thanks again