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cider

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

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Thanks I really appreciate your advice 👍

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triton? they went south years ago.

so tritons client are Link on their letters?

 

god why did you blindly keep paying.

 

dx

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Posted (edited)

Okay. Just done some more digging. Triton took on the mint debt. Still being paid. 

all payments to mbna stopped 01.05.2014. This is what link are chasing 
 

Sorry to be so confusing. 

Edited by cider
More info

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But you carried on paying Triton ...if you had ignored Triton the debt would have been Statue Barred this year...(assuming the Default Notice was dated May 2014)...never mind  too late now.

 

So the Default marker is due to fall away this year if it was registered 2014......Link cant extend it.


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No sorry I got it wrong. Triton are taking payments for mint. 
 

the link letters are about a mbna debt. That I have paid nothing on since 01.05.2014 

 

 

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2 hours ago, cider said:

Well I should repay the debt

 

throw the morality card out the window!!

so what debt do link have then?

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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If there was no default registered. Can it be registered now after all this time? 

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there would have been a default for it to be sold

so what debt does link have then?

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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8 minutes ago, dx100uk said:

there would have been a default for it to be sold

so what debt does link have then?

 

They have taken on the mbna debt. (Sorry I originally thought it was mint. Hence the title) 

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so your last payment to anyone regarding this MBNA debt was more than 6yrs ago?

title updated

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Correct 

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send them this:

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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That will be satisfying! Thanks 

why do you think they have added this credit card to my file now then? 

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they haven't

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I had a notice from experian that they had added a credit card 

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they can't 

go check.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Added an agreement not a credit card.....your old MBNA because link have now bought the debt.....but they shouldnt have added it if its statue barred now....or anytime now.


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

 

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The note on the credit file says. 


link have added a credit card on to my file.

I can’t see it as Experian have said there is a delay updating the files at the moment.

It says it was added in February.

On the letter from link it says they bought the debt 20/06/2014. 

 

should I stop paying the other dcas after the 6 years is up.

 

I know no one on here is judging but my problems started during the financial crash 2007-08.

I am left with btl properties I bought at the time.

 

I stupidly used credit cards to fund refurbishment with a view to remortgaging.

 Nightmare.

Worst financial decision I ever made.

 

Now stuck with unsaleable negative equity white elephants and a world of anti landlord legislation.

( self pity rant over sorry ) 

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They bought the debt 20/06/2014 and decided to substitute the creditors name 6 years later...and its statue barred now....well almost.

Contact the CRAs and tell them the same and add a notice of correction or remove it entirely..the CRAs will contact Link to confirm.....or wait a few more weeks and see if it drops off.


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It will all disappear from the Credit File in a few weeks anyway.


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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What’s interesting is.

I have two (pra) showing on the file along with two barclaycard accounts ( which are the same ones)

the account with triton for example is not showing along with two more that I am paying.

 

If they have disappeared because of their age could I just stop paying them now.

Or contact them and tell them I’m stopping because the are statue barred.?

As well as telling link the same. 

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just because they are not showing does not equate to them being statue barred...there must be a clear 6 years without payment or acknowledgment.


We could do with some help from you.

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

 

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Ahh I get it so if I stopped paying it would take 6 years. So I should just continued as I am or come to some arrangement to settle them. Or they will just make life complicated. At least the defaults have dropped off. 
the help on here has been invaluable thank you all so much. 

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Send them all a CCA request and see what response you get before making your next move.


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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12 plus 2 days , No CCA , No pay


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

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