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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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link financial and old MBNA Card Debt. say they will add a new default?


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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 

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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

We could do with some help from you.

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why are you blindly paying dca's?

 

send everyone you are blindly paying a CCA request.

 

and list your debts please

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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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. 

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

We could do with some help from you.

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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 !! 

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  • dx100uk changed the title to link financial and old Mint Card Debt. say they will add a new default?

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

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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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 ! 

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

 

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

 

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

 

have you sent them a cca request?

 

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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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.

We could do with some help from you.

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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 

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What do you think you should do ? :wink:

We could do with some help from you.

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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!

We could do with some help from you.

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1 hour ago, Andyorch said:

What do you think you should do ? :wink:

 

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. 

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

We could do with some help from you.

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

We could do with some help from you.

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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. 

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

We could do with some help from you.

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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. 

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

We could do with some help from you.

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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 by cider
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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.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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