Jump to content


Simon1959

Link and CCA failure - old Barclaycard debt

Recommended Posts

Not without a cca

Plink were cash cowing you you found out..end of


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

Share this post


Link to post
Share on other sites
Letter from Link today

Informing me that I am in breach of my agreement if I don't pay the arrears then further action MAY be taken against me You dont have a live agreement with Link

 

This is to terminate the account and demand full payment and to commence court proceedings against me Account is already terminated..it was terminated the day they bought it

 

Also we will tell the credit reference agencies of your default which will be entered on your credit report They cant issue a default..only update any existing marker if not already passed 6 years..they are not a creditor...just a debt buyer.

Am I correct in thinking that they can't default it as Barclaycard have already done it before selling it on Correct

 

Also they still haven't sent me a signed credit agreement

 

Then they cant do court either all smoke and mirrors

 

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

Had a look on clearscore link

have put a late payment marker on my file which has sent my credit score into free fall

 

On the front page summary it says late payment / default/ repossession but I can't find any reference on the link account to a default it's also showing in the closed account section

 

When the 6 year anniversary passes does it go from open to closed accounts or just disappear altogether

 

Also is it 6 years from default with Barclaycard or 6 years from when link purchased it

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

6yrs from the date of Barclays default notice

then the debt should not show on the file at all.

 

The default notice was issued july 2012 so should drop of my credit file next month

 

if you've proof of this then WRITE to LINK

give them 14 days to remove the account or you will open a serious complain with the ICO and seek financial compensation

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

Share this post


Link to post
Share on other sites

I've looked on noodle it's like a completely different report on there

Anyway link have marked the account as default Nov 2018 which means the account has been defaulted originally by Barclaycard and now by link

Share this post


Link to post
Share on other sites

click my credit report

click financial account information

its that line you want

if it says default

and link have changed that date from the one BC set then complain with proof of org BC 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

Share this post


Link to post
Share on other sites

2nd Oct 2018 default date entered by link

Is it best to ring Barclaycard and ask for the exact date when they defaulted it and then ask for a written copy as I can no longer find the original

Barclaycard are no longer showing on my noodle credit file only link under closed

Share this post


Link to post
Share on other sites

yes


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

Share this post


Link to post
Share on other sites

Barclaycard say I have to make a request for copy of default and date by letter

Barclaycard are showing on Equifax I don't really understand credit reports but from Feb 2011 until link took it over in 2015 it showed as payment arrangement I can't see default on it only on link in Oct 2018

If the account wasn't defaulted by Barclaycard what should I do

Share this post


Link to post
Share on other sites

You were asked to get the date they defaulted the debt?

 

So they didnt defaultit?

Only used tha AP marker?

 

Forget the calender section.

 

If they didnt default it write and complain

If should have been defaulted after the 3rd short/missed payment.

Inline with the ICO guidelines at the time


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

Share this post


Link to post
Share on other sites

Ok letter from Barclaycard account opened Oct 2006 assigned to link pre default status Feb 2015 so apparently the default issued by link is correct

Is it still worth complaining to Barclaycard for failure to default

 

I never missed a payment or ever late made an arrangement to pay with interest and charges frozen Feb 2011

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

well the link default is thus invalid a debt buyer cannot default you.

 

Barclays should have defaulted you with 3-6mts of 3rd payment not in accordance with agreement T&C's - in you case 3mts on from feb 2011.

 

then you can take link on


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

Share this post


Link to post
Share on other sites

as post 35


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

Share this post


Link to post
Share on other sites

Phone call from Barclaycard reference complaint

they have said they will inform link and default the account when it should have been defaulted June 2011

Obviously it wasn't as straightforward as them just saying they would do it

 

I mentioned the terms and conditions, escalating the complaint as I'd been disadvantaged over someone who had simply paid nothing let it default and then dropping off there credit file

 

they agreed to default it so does this mean when it's done it will disappear of my credit file as soon as they update the file

they did say it could take a couple of months before it's updated on my file

Share this post


Link to post
Share on other sites

great result!!


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

Share this post


Link to post
Share on other sites

Great stuff checked my credit file Link Financial have disappeared so looks like Barclaycard have defaulted the account as promised im happy to get link of my file

I wonder what they'll try next

Share this post


Link to post
Share on other sites

They've sorted this quickly for you which is great.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Letter from Link today saying they can demand £1900 owed in one payment but are prepared to let me pay £13 per month 

Share this post


Link to post
Share on other sites

Really

Who they kidding

Powerless

 

As post 28


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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...