They actually sent me a Statement of Account along with the previous letter. I'll attached it in a second with the detail blocked out. There have been no charges added since they took over the debt. (Not sure if that's because I still have the chance to back-pay them for the 3 months I've missed?) As I said before, I can't access the old letters at present but can confirm Link now own the debt. The letters were quite clear from memory and my credit reports show Link as the creditor, in replace of BC. It's a large debt, for me anyway, current balance a little below 10k. Like you said, there must be something about it that meant BC decided to get rid of it, else why else wouldn't they take things further with me directly? I'll dig out the paperwork they sent me after my CCA request and post this up, as soon as I can get to it. Thanks again Here's the statement... Link2.pdf

I took out the CC with Barclaycard in 2012 and defaulted in September 2016. I was paying them £100 a month (below the minimum payment) after a few months they passed the debt onto Link Financial/Asset Capital. I had a letter from Barclaycard to say they'd passed the debt on and a letter from Link Financial to say they now owned the debt. I redirected my payments from Barclaycard to Link Financial and carried on paying the £100 a month until 3 months ago. I suspect reading other posts this was a stupid thing to do, but not knowing any better that's what I did... Due to moving house, new baby, etc.. I've been short on funds lately and so I stopped paying Link 3 months ago. Before this I had made a few offers of F&F just to try and get them out of my life - Not interested. I sent a CCA request for which they provided reconstituted terms from Barclaycard along with my address and contact information as it was at the time. (I'll scan and post, but I don't have it to hand right now due to the house move) I do have a copy of the recent letter that I've just posted up and this has been received following my 3 months of non-payment. By making payments to Link and therefore acknowledging them and the debt, have I made hard work for myself? I guess ultimately I'm wondering whether to: - Ignore them altogether and never pay them another penny, but I don't like the thought of possible court/CCJ or something like this (especially as they're reconstituted agreement was accurate when I CCA'd it) - Halt payments and continue to try and arrange a full and final offer and ensure the balance is not collected thereafter - Catch up with my 3 missing months and resume payments as before (And keep paying for several years until it's gone!) If you can help based on the above, I'd appreciate it massively. If you need the copy of the CCA reply then it will be a week or so until I can get my hands on it. Thank you Attachment, attached! Link.pdf

Hi, I had a credit card debt with Barclaycard that defaulted. It was then sold onto Link Financial, who I've been paying a £100 a month to for the best part of 2 years. I CCA'd the debt a while ago and they produced some paperwork with my signature and address, etc... Due to a change in circumstances, I stopped the payments 3 months ago and I'm trying to arrange a full and final settlement to clear the debt. They're currently not interested in negotiating, but I know this process can be slow. (Maybe quicker if they're not getting any more out of me each month) As I've stopped the payments, they're now getting heavy with the letters and threatening court action, but before that they're threatening to raise a default against my credit record. I didn't think they were allowed? I already have a default from 2 years ago for this debt from the original creditor, Barclaycard. Link Financial do appear on my credit report (they appeared when Barclays vacated) with a load of green markers for the payments I made, followed by 3 red markers for the months I've recently missed. If I continue to not make monthly payments can they record a fresh default on my account, as I obviously don't want this to happen? (I still have 4 years for my original default to drop off, but I don't want another default registering so my credit report will be poor for another 6 years) What's the situation with this? Can I ignore their threats and keep pushing them for a full and final payment, or is the likelihood of a default and their court action quite high? Thanks