Jump to content

 

BankFodder BankFodder


Bomber99

Link & old Goldfish barclaycard Default notice date issues .

Recommended Posts

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

Share this post


Link to post
Share on other sites

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


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

Thank thank you Andy for your reply

I will contact Link and come back with their reply

Share this post


Link to post
Share on other sites

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.


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

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. 


..

Share this post


Link to post
Share on other sites

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.


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

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

Share this post


Link to post
Share on other sites
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.


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

Hi all
I have received a letter from TransUnion in response to my complaint about Link placing a default with credit reference agencies 


In the letter it advised

“ After investigation, Link Financial has advised that the disputed entry (default notice) cannot be amended as per your request as the default was registered correctly when payments were missed. If you would like to discuss this matter further, please contact Link.


on 22/10/2019 I sent link a letter disputing the default that they had put against my credit record and I also included the original Barclaycard default notice for this debt.

 

I gave them the usual 14 days to respond.

I called them on Monday to ask if they had received my letter and they said they had but the default notice was not with it.

I then resent the default notice (by post signed for)but this time addressed it to their complaints department .


today I received a letter from Link telling me they had registered the default correctly and to contact them if I had any problems with this.


I have contacted the complaints/disputes team and was told to ignore this letter and they were now investigating my complaint.

 

They told me they have “56” days to look into this, and the 56 days would count from yesterday before I could complain to the ICO or FCO 


Is it correct they have 56 days before I can put a complaint in and if so should the 56 days start when my first letter was sent to them on 22/10/2019

sorry for the long post but I am trying to remove this default which is the only thing ruining my credit score
Thank you 
Clive

 

Share this post


Link to post
Share on other sites

no its not correct and stop ringing them!!

they have 14 days from getting the DN copy only.

 

then escalate your complaint to the ICO.

 

who is the FCO???

 

 


..

Share this post


Link to post
Share on other sites

Hi dx100uk 

thank you for your reply and sorry for my late response, been a bit hectic over the last few days.

FCO should have been financial ombudsman service

Because they (Link) informed transunion they had investigated my complaint and concluded they have registered the default correctly but are now saying they are looking into the matter again would I be entitled to compensation if it’s is proven they registered the default with credit reference agencies erroneously.

Would you be able to give me a little more info on the 14 days rather than the 56 days they quote please

regards

 

Edited by Bomber99
Change of wording

Share this post


Link to post
Share on other sites

complaints about DN's go to the ICO

a debt buyer cannot issue a DN they are not a creditor and never can be.

 

dx

 


..

Share this post


Link to post
Share on other sites

Hi dx100uk

thank you for your response.

 

If as you say Link cannot put a default against me,

as they are a debt purchaser  (and I am not doubting your advice)

 but I would have thought TransUnion would of pulled Link up over this point when they was looking into my complaint.

 

All TransUnion came back to me with was;

Link have stated their default was registered correctly when payments were missed. 

 

I will send a letter off to Link tomorrow telling them to remove the default or I shall start a complaint with the ICO immediately 

Regards

Bomber99

Share this post


Link to post
Share on other sites

was pointless to complaint to a CRA provider.

 

did you action post 5 as advised?

 

dx

 

 

 


..

Share this post


Link to post
Share on other sites

Hi dx100uk

yes I did send default notice to Link.

 

Had a letter back from them stating they had registered the default correctly.

I gave them a call and they said they had received my complaint letter but not the default notice. Strange ?? 

 

 I sent another letter with the default notice included, but this time sent it signed for with Royal Mail.

They received this on the 05/11/2019  

I also sent an email with the default notice attached

 

On the day they signed for the letter I called them just to make sure they had the default notice.

This is when they informed me they had 56 days to investigate my complaint and before I could take my complaint further.

 

would you say the 14 days you mentioned would be from 22/10/2019 when I sent the first letter or from 04/11/2019 when I sent the second letter

regards

Bomber99

Share this post


Link to post
Share on other sites

2nd

Please stop calling fleecing dca,s


..

Share this post


Link to post
Share on other sites

what happened?

 

dx

 


..

Share this post


Link to post
Share on other sites

Hi dx

i received a response from Link and in the letter they stated, the default notice I received from Barclaycard in 2005 was just a warning letter advising me they was going to default the account. 

 

What I can gather is because I went into a debt management plan after I received the default notice Barclaycard never defaulted the account.

 

Link informed me I have 6 months to appeal this decision if I disagree with there final decision.

 

Due to other problems I had to put this on the back burner but I am now in a position to start the process of appealing it.

 

Would you advise the ICO or FOS for first port of call.

Share this post


Link to post
Share on other sites

i'm wondering if a complaint to BC wouldn't go amiss here 1st.

that they should have registered the default regardless.

 

at that time the ICO guidelines clearly indicated continued marking of a credit file as in an arrangement was not on.

 


..

Share this post


Link to post
Share on other sites

Hi dx

Thanks for your reply.

Any help with what to put in a letter to BC would be greatly received 

Share this post


Link to post
Share on other sites

what is your monthly calendar saying each month from the start of the arrangement?

not the dreaded AP marker is it?

 


..

Share this post


Link to post
Share on other sites

Hi dx

the arrangement started in May 2009 just after Barclaycard defaulted the account, so cant say what was showing each month 

Not sure what  AP marker is 

Share this post


Link to post
Share on other sites

so what shows now?

dx


..

Share this post


Link to post
Share on other sites

Link brought the debt in 2015 and put a default against it in 2017

 

Link brought this debt from Barclaycard in 2015 and registered a default on it in 2017

 

at present it is showing default by (Link)

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...