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Hi I hope I'm posting this in the correct place!

 

I have almost finished settling all my debts with f&f settlements with thanks to all the advice I found on here but i have 2 issues remaining;

 

- I offered Link financial a f&f for an old barclaycard. The amount outstanding is £1440 & I offered £734

They have declined this offer and said the least they are willing to accept is £1295!

 

I have since requested a CCA which they have just written back to me to say they can't locate, therefore the debt is unenforceable.

Should I offer a small amount to settle this debt as it hasn't currently defaulted on my credit report even though I have been in a DMP for 5 years (which I have now closed)

 

-My second Issue is a Tesco loan which has been sold on to Intrum. I offered £5,404 on a £10,665 loan which was declined.

They have since provided a CCA therefore the debt seems enforceable.

This account defaulted February 2012 therefore is now not on my credit report.

I am now in the process of offering £7,000 but really can't afford anymore than that.

 

What are my best options for the above please, any advice is greatly appreciated.

Thanks

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The 1st one forget about. You'll get some letters every now and then but they already said its unenforceable.

 

The second one the offer seems reasonable. It just depends on how you want to play it.

Others will advise on the legal ins and outs

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Thanks for the quick response sgtbush! If I don't pay anything though won't they default me?

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How can they prove your n default of something they cant prove you've ever had.

 

Its like me defaulting you on your credit file

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bet the debt was defaulted years ago by the OC

it cant be defaulted twice!

 

no cca = NO PAY!!


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 

 

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start a thread in the other institutions forum for the Tesco loan and scan up the CCA return to ONE multipage PDF

read upload


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 

 

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But it's showing on my credit file as up to date so can't they then put a default on it?

 

I'm sorry I'm new to this so am unsure what you mean!?

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Link dead in the water so dont offer anything and stop apying them if you are still doing so.

Did you get a letter telling you the debt was assigned to Intrum at the time? If not it may be they dont actually own the dabt, merely manage it and then they cant actually accept an offer becuse it is above their pay grade to do so.

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Go ring BC and ask when they defaulted the debt

They must do this before selling it to a DC A


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 

 

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Yes i did (it was first credit but has just changed to Intrum)

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do post 9 please


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 

 

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