Link and old Barclaycard debt

[slick132]

See what you hear about the DN date first.

 

[dx100uk]

no do not start silly letter tennis

[howdoi]

hello again,

i have now had a reply back from link,,

taken six months,

 

they say sorry been communicating with barclaycard about the cca request,and enclosed a letter from barclaycard stating they have no documentation on my account and so it is unenforceable

 

Link say to carry on paying instalment s

i suppose they would say that,,

 

should i ignore them ,,

 

thanks

Edited June 14, 2018 by dx100uk
Spacing

[dx100uk]

Cash cow now removed from the DCA milking parlour

 

No cca = no pay!!!

 

Only took you three years and 5 threads to get thats sorted and stop being cash cowed

You should have stopped in 2015 after the 12+2 days elapsed...

[howdoi]

point taken..thanks for your advice,

[howdoi]

hi just a question,

barclaycard v link,

barclaycard say unenforcable,

link cant seem to accept this,

neither have a cca ,

 

,link have just last month, defaulted me on my cra,

are they allowed to do this i thought only the original creditor could default me,

,thanks

Edited August 20, 2018 by dx100uk
spacing

[dx100uk]

as long as they don't change the date the OC registered the default

then in makes no odds

 

just resitting the thread

did yu go ring BC as asked ages ago and findout the defaulted date.

they must have defaulted you to sell it on.

[howdoi]

hello all,

this is a bit wierd,

 

barclaycard sold my debt with them to link in 2015,

unaware i kept paying to link ,

then i found your forum and requested a cca from link and barclaycard

 

neither could produce anything as such barclaycard said the debt was unenforceable,

 

in 2017 i stopped paying link,,

well barclaycard just informed me of a rebate for default charges,,,

this rebate has now been paid to link,,,,,

 

will this now restart the clock,,,

and why would barclaycard pay this money to link when i have no ties to them since 2015,,

 

 

Edited January 16, 2022 by dx100uk
block of text spaced to paragraphs

[dx100uk]

threads merged...

 

as they should do.

it means they (BC) are simply implementing a recent ruling by the FCA that unless a creditor sent regular notice of sums in arrears letters when you were indebted to them, they were not allowed to charge interest nor penalty charges for those periods.

 

as you didn't actually pay any of the charges nor the penalties, as they were only a notional penalty on an outstanding balance, they are duty bound to send this 'refund' to the debt owner Link.

 

it doesn't change anything and doesnt reset any SB date as the 'payment' was not made by you - the 'debtor'.

 

just dont move without informing Link (or any other debt owner on any credit you last last used or paid) in the last say 7yrs, else you risk a backdoor CCJ and Link will pull that stunt for sure.

 

dx