link financial and old MBNA Card Debt. say they will add a new default?

[cider]

HI.

I had notification that link had added a credit card to my file.

It is yet to appear.

 

Back in 2015 i came to arrangements with all my creditors (credit cards) and as such defaults were added.

I have two remaining that i can see.

 

My question is,

if link have now taken on a debt that i had, are they able to create a new default?

I have been told that unless i actually break an agreement with them directly they can not record a default.

I dont want to be set back a further 6 years!

thanks for any advice 

[AndyOrch]

Hi and Welcome to CAG

 

If its been assigned to Link...they have simply substituted their name...not altered the the default date..it still only remains for 6 years from the default date.

 

Andy

[dx100uk]

why are you blindly paying dca's?

 

send everyone you are blindly paying a CCA request.

 

and list your debts please

[cider]

Thank you Andy. That’s encouraging. They sent a strange letter saying they hadn’t contacted me before as there was an address issue. I ignored it I’m embarrassed to say. 

[AndyOrch]

Have they got your correct address now.....?  Dont be embarrassed for ignoring a DCA ..its rule number 1  

[cider]

Yes they have my correct address now. Is this significant? 

[cider]

I am confused that mint does not appear anywhere on my file.

They stopped taking my payments.

Now link have added/removed ( the term Experian used) I’m guessing it’s added.

 

With 18 months to go before the remaining defaults are gone.

I couldn’t stand another six years.

I’m 62 years old !! 

[dx100uk]

when a debt is sold the defaults and entries under the original creditors name get replaced by the name of the debt buyer

they can't change the original creditors registered defaulted date, neither can they add a new one to extend it.

 

a defaulted account vanishes from your credit file on it's 6th birthday 

regardless to the fact that you are paying or not or paid or not.

 

pers i'd be seriously questioning why you are blindly paying any powerless debt collection agency ANY money..they are NOT BAILIFFS and have ZERO legal powers.

 

send every DCA you are blindly paying a CCA request.

 

dx

thread retitled and moved to the RBS Forum

[cider]

Thanks for that.

I appreciate the reassuring comments from all of you.

I will wait in anticipation for links next correspondence.

 

I can’t believe they have only just got my address can’t understand that

. It would have applied to the original lender ! 

[dx100uk]

you mean you have moved since taking  arranging repayment in 2015?

 

have you sent all the people you are blindly paying a cca request?

 

[cider]

No I haven’t moved. Thats why I’m confused they never had my address 

[dx100uk]

then ignore what they claim, simply to try and confuse you.

 

have you sent them a cca request?

 

[London1971]

My experience with Link

 

MBNA Credit card £10k defaulted 2008.

 

Ignored all their calls and letters. (Prob hundreds of threat o grams) Never paid them a penny, despite them threatening me with their 'in house fraud dept' . 

 

Guess what, they gave up around 2013, went statute barred in 'early 15, and never heard a peep out of them since.

[cider]

I’ve had another letter.

Saying we have not reached a conclusion on how it should be paid.

Offered me the chance to pay an amount each month (52.22)   
any advice on what I should do. ?

 

ive not sent a cca request.

Kind of don’t want to acknowledge them 

[AndyOrch]

What do you think you should do ? 

[London1971]

CCA Request isn't acknowledging the debt. Paying them an amount each month is. You pay them a penny now they will be all over you forever!

[cider]

1 hour ago, Andyorch said:

What do you think you should do ? 

 

Well I should repay the debt. But I can’t.

It’s been so long since I heard anything about it I’ve forgotten.

 

As I’ve been saying my credit score is slowly getting better.

Can’t believe it will just go away. 

can you tell me what good sending the request might do as I accept the debt. 

[AndyOrch]

Is this debt close to becoming statue barred ? was you last payment to Mint in 2015 ?

[London1971]

Sending the request will most likely render the debt unenforceable. All for the price of a copy and paste letter, and a stamp.

[cider]

Sorry how could that be? ( not learnt the quote thing yet)

 

1 hour ago, Andyorch said:

Is this debt close to becoming statue barred ? was you last payment to Mint in 2015 ?

 

Well this is interesting.

Last mbna payment was 31.12.13. £45.00

They then stopped

But triton started 30.01.14. £45.00.

And continue to date. 

[AndyOrch]

So what date was your lats payment to anyone.....?

[cider]

last payment to mbna 31.12.2013. ‘IF‘ That then became triton I’m still paying.

if triton bought the mbna debt these link letters can not be correct. 

[AndyOrch]

Ill try again..... last payment to Triton ?

[cider]

Sorry andy. 
Those payments are still being made.so the link letters cannot be legal 

last payment 30th April 2020 

 

If however the mint payments became triton.

Then the mbna last payment was 31.12.13 

Edited May 29, 2020 by cider
More info

[AndyOrch]

Okay thanks....its irrelevant who you made or making payments to...I just wanted to check so Statute barred is off the table.

 

Do you know if Triton were assigned the debt or just collecting for MBNA ? It may be prudent to send MBNA a DSAR to check all your payments have been accounted for and that Link who are now the legal owner of the debt have the correct balance...click the word SAR and follow the instructions.

 

Send Link a CCA request as already advised.....pay nothing or make contact with them in the meantime.