Barclaycard closed on credit file, offering full and final but DCA are reporting CRA

[cups]

Hi

 

Been sorting out my debts for some years now.

 

Been paying BC for years, claimed back PPI and got it still there and have now offered that and some other cash to Link as a full and final.

 

Link state they will make a decision but once paid they will report on my credit file.

 

The account is shown as closed, funnily enough the card /acc ref is wrong, but the date for opening is right. It is shown as closed and with a nil balance. The record was last updated on 16/10/2016: which is when Link took it over.

 

I have carries from BC showing they closed the account on 04/04/2000.

 

Can Link report on this account ?

 

If they agree to F and F can they mark up my credit file?

 

I know it was defaulted a long time ago but BC never gave me a CCA, and it is not with any PPI carries either.

 

My main concern is my credit file and having nowt to do with Link anymore.

 

Appreciate any help / advice

 

Cups

[dx100uk]

if it was defaulted more than 6yrs ago it should not be showing

pers I would never give link a penny.

[Bazooka Boo]

If BC haven't got a CCA then why are you paying anything??

[slick132]

Hi Cups,

 

Once the a/c drops off your CRA files, it should not reappear whether you stop paying completely or try to agree a F&F to settle.

 

The a/c won't be Statute Barred for many years because you've continued to make payments up until the present. So they can continue to seek payments from you but, with no credit agreement, they can do nothing to enforce the balance.

 

You've paid for far longer than many folk here would recommend and I see no point in paying anything further or dealing with Link at all.

 

[cups]

Hi

 

I appreciate that, l do want to get rid of it though, shall l challenge them about the fact it is closed etc.

 

Cups

[Bazooka Boo]

You say you sent a CCA request, and BC failed to send you one?

 

That in itself means you can stop paying.

 

The reason why the vultures are still circling is because they are exploiting your lack of knowledge.

[slick132]

Hi Cups,

 

IMHO there's nothing "to get rid of" .

 

The a/c is no longer on your CRA files so there's no need to challenge anyone about anything.

 

Ignore Link from here on ........

 

[cups]

Hi

 

The BC account is shown as in the closed section of my CRA, it has been closed for over 6 years now and has a nil balance, can they update my file in these circumstances?

 

Cups

[dx100uk]

nope

[cups]

Thanks, will warn them.

[dx100uk]

Warn who?

[slick132]

You don't need to warn anyone.

 

Just cease contact for now.

 

[Bazooka Boo]

Don't go rattling any cages, you'll only encourage the little darlings.

[cups]

Thanks for the advice.