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Bomber99

Link & old Goldfish barclaycard Default notice date issues

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Hi All

Barclaycard acquired my goldfish credit card some years ago.

Due to financial difficulties all my debts were put into a DMP  

 

In 2015 Barclaycard sold the debt on to Link  

I stopped paying Link when they could not produce the documents under a s78 request.

Subsequently Link defaulted my account and a default notice was registered with the credit reference agencies in September 2017.

 

Yesterday I contacted Barclaycard and was informed they had sent out a default notice to me on 24 June 2009.

Can I now ask Link to remove the default notice they had place on my credit records or are they allowed to default the account for a second time

thanks for any help

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You can request that Link the debt buyer remove their update yes as they are reporting inaccurate information....but only if BC registered it in 2009. ?

 

Original credit BC placed the Default in July 2009..... if they registered it....6 years ...would have fell off July 2015......A debt buyer cant resurrect it again in Sept 2017 

 

You can issue a notice of correction to the CRAs with a copy of the original DN.

 

Andy


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Thank thank you Andy for your reply

I will contact Link and come back with their reply

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But did BC ever register it...just because they sent you a default notice does not always follow that it was in fact registered...although I'm sure they would have but worth checking before contacting the Debt buyer.


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just send link proof that BC created a DN in 2009?

demand they remove their erogenous false entry immediately else you'll start a serious complain against them with the ICO and also seek financial compensation ...give them 14 days.

 

that usually works..

I wonder if this was one of the infamous Mercer DN's that were faulty at the that time too?

 

retitled and moved to the BC forum. 


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No....the service of default notice is not proof that it was actually registered with the CRAs...and if it wasn't then Plinky Debt Buyer is fully entitled to try to register it...even though its 8 years after the default...which may be questionable.


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Hi all thanks for your comments.

I have done a SAR with bc so see what comes back.

Dx100uk what was wrong with Mercer’s DN,s

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

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46 minutes ago, Bomber99 said:

Hi all thanks for your comments.

I have done a SAR with bc so see what comes back.

Dx100uk what was wrong with Mercer’s DN,s

 

 

That wont confirm if it was registered with the CRAs...simply that the default was issued.

 

Mercers Default notices were printed within the customers statement and not issued as a separate default notice  pursuant to section  87/88 CCA1974.Therefore they were invalid.


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