Barclaycard/link/LC Asset

[gd47]

converted.pdf

 

Trying to help my partner with a Barclaycard debt (she lost her pip in 2018 but it was eventually reinstated).

Even though she offered payments of £50/month for a few months they refused and demanded £150/month, at which point I intervened and sent off a request for the original CCA ( which was taken out in 1981!).

Here’s a copy of their reply...

 

 

 I ignored their reply, as what they supplied was clearly non-compliant. Let sleeping dogs lie...

 

They have now sent the account to Link (after two years of inactivity) and Link have started on the phone call/text/letter route already.
Any suggestions as to how to proceed gratefully received!

 

Oh, and as it’s a pre-1985 agreement do they still have to provide a true copy of the CCA?

It seems they are trying to use Regulation 9 of the CNC Regulations (which I haven’t heard of!) as a “get out of jail free” card

 

Many thanks in advance.

[dx100uk]

never get a cca for a debt of that age

when was the last payment date?

 

dx

 

[gd47]

Thanks for your reply...much appreciated.

Last payment date was December 2018.

 

She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal).

 

She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981).

 

Her name and address were different in 1981 due to marriage (and subsequent divorce!).

Again, no mention of that in the “reconstituted” agreement which they supplied.

 

Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.

[dx100uk]

what from 1981?

has there ever been a period of 6yrs whereby she never paid anyone?

has she recently received a notice of assignment from link?

 

[gd47]

Thanks for your reply.

At no time has she missed any payments, which is why she’s so upset about it...when she needed help they failed to provide it after nearly 40 years of an unblemished record!

She received a notice of assignment saying the debt was assigned to LC Asset 2 on 15/12/20 (letter dated 08/01/21).

[dx100uk]

end of the debt then as link will never get an enforceable agreement.

hers is not the next move.