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Old BC now Link Asset


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Not been in here for years as thought I'd sorted everything. 

Took out a Barclaycard in the 90's, went into a dmp in 2003. 

I would have cca'd BC at that time but can't remember if they sent anything enforceable back. 

 

I have been paying a small amount to BC every month ever since. 

Moved house in 2010. 

Happened to be passed a letter from link asset sent to my old address, first one I've seen. 

Saying they have been assigned it in 2015 and the full balance is now due as I haven't made minimum payments. 

If I don't they they start court proceedings and put a default on my credit file.

 

I rang BC and they confirmed the account was sold to link asset in Feb 2015. 

They said that since the sale date they have been refunding me the token payments and not passing them on. 

There is no record on my bank account of any refunds.

They told me the outstanding balance when sold.

 

If I add up the token amounts paid since 2015 and knock that off what the balance was when sold then I get a very similar amount to what link are demanding.  BC never defaulted this account but should have in 2003. 

It doesn't appear on any CRA report currently.

 

It is now getting close to the 6 year limit which makes me think that BC haven't been passing on the payments. 

Do BC pass on these payments as a rule? 

Should I cca link in the hope of stalling it until the 6 years is reached.  

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why have you blindly been paying for SOOO long running the SB date to infinity.??

 

BC would have defaulted you on or before the sale

they default has now reached past it's 6th birthday so has caused the whole A/C to be removed.

 

i suggest that BC is obv wrong or the phone jockey cant understand the screen in front of them

it's obv the payments have been going to link all these years.

 

as the card is sOO old they will never be able to get an enforceable CCA. no chance !!

 

send link a CCa request

and if you've done the same to other old debts and simply run away

you really should be informing any debt owner of your correct address.

else you'll find backdoor CCJ 's appearing that you knew nowt about

 

what was you old username?

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 dx 

This is the only one which is paid by standing order from an old account I use for a few bills so forgot all about it. 

I don't think BC ever did default it but know that know link can't add the default now after all these years. 

 

I would have cca'd BC along with all the others in 2003 so they must have sent something. 

I've just checked with my bank and they haven't refunded me  so must have been passing it on.....which is a shame. 

 

I'll cca link. 

Can you still tape a pound coin on to the letter or does it need to be a postal order?

 

(Old username would have been something like tartanbarty or similar)

 

 

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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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cca time then it'll be game over for them.

 

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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