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Link & old Goldfish barclaycard Default notice date issues .


Bomber99
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well yes we know that

goto the montly remit

the calendar section

how were BC marking the debt each month 

AP, 6, 8, d??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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look on your credit file

credit karma or whatever

 

you should be able to look at the debt history for 6yrs

this will come up as a calendar section

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is there history showing for the time they still owed it or what are the markers now?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ok i'll continue to pull teeth.

 

how is your file being marked monthly?

what does the coms log from the BC SAR show they did around 2009 when they issued the DN?

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok keep pulling

 

as informed Link are marking file (monthly)as default 

 

SAR;  mostly stating  (REF’D for Colls adeptra) around the time of default. There was some letter tennis with my DMC but only about affordable monthly payments

 

 

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so you should have 6yrs of D showing.

and this D also shows prior to july 2015?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

credit file

 

though it would be nice to see the comms log to one multipage PDF suitably redacted

as I bet 1000% BC did default you. you just don't understand the codes...and I don't blame you.:bounce:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

read our upload guide carefully

it's all there.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks dx

Will have a look but my computer skills are somewhere between 1 and -99 lol

I am writing  a letter today to BC asking them to review the default date and put a default marker against the debt between 2009 and 2015. Hopefully this will allow me to tell Link to remove the erroneous default they have place against my credit record. If that doesn’t work then I will take my complaint elsewhere

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Hi dx100uk

just a update 

 

Barclaycard have agreed to update my credit file in as much that the debt defaulted in 2009.

They have informed Link of their decision and informed Link that the default they have placed on my credit file needs to be removed. Link informed me this would be done within 48hrs.  

I will now be chasing Barclaycard for compensation.

 

The question I now have is;

 as mercer’s default notice was faulty at the time of serving how would I stand legally if Link ever started proceedings and because Barclaycard have rectified the default date will this also have any impact if Link were to start proceedings.

 

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I doubt you'll here from link again.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

There is quite a sum of money owing on this debt so I would have thought Link will try any trick in the book to get the money owed. Just trying to find answers to the questions surrounding the default notice so I am prepared for them 

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  • dx100uk changed the title to Link & old Goldfish barclaycard Default notice date issues **WON**

I seriously doubt link will go anywhere near a courtroom door.

 

you indicate this was an old goldfish card?

who with?

and when did you take it out?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi dx

yes it was a goldfish card taken out in 1996

not sure who it was with to begin might have been Lloyd’s tsb  

they sold it on to some American firm

who sold it on to Barclaycard

who sold it on to Link.

 

Have done DSAR with Barclaycard and Link and neither could supply the agreements or terms and conditions but both have said they will continue to try and gather the relevant information 

 

thanks for your advice it’s much welcomed 

Bomber99 

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not a chance in hell 

you've been had for years..

 

have you ever sent link a CCA request?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

when?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

My experience with Link.

 

Defaulted in 2008.

plus 10k debt


Ignored them aside from accidentally picking up the phone in 2012, some angry guy threatening me with fraud squad and police etc .

 

Debt went statute  barred nearly 6 years ago now. Not a peep from them since 2013.

 

I know it’s only anecdotal but they never bothered sending me a claim form.

 

That tallies with experiences on here, they don’t do court. I don’t think you need to worry

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