I have a few debts left over from a marriage all of which I pay a certain amount a month to. About 3 months ago I started getting letters off LINK saying I'd stopped my agreement with them and why wasn't I paying them? It took me a while and several ignored letters and emails to work out it was from a Barclaycard debt (they must have bought it) and I had actually never stopped paying the agreed amount. However I stopped my standing order and set up a new one - Informing Link by email and letter that I was doing so . With LINK as the company and not Barclaycard. The link letters keep coming, I have double checked and I definitely AM paying them the right amount, all the codes and account numbers are right.. . yet the letters demanding money each one is worded differently, keep coming. I've had one today saying if I don't phone them to explain why I'm ignoring them and NOT paying them in 7 days they are taking me to court. They have completely ignored every email and letter I've sent to them. The only thing I haven't done is phone them. I don't want to phone them, as in my experience its always a very unpleasant experience. What should I do? I've never experienced anything like this before - that I'm paying yet they're harassing the hell out of me. While completely ignoring any letters of emails I've sent them. Any advice? (the Debt is £486) thank you!

Hi, This is my first post here, so forgive me if I am covering old ground. I have a Barclaycard debt of just over £1500, that unfortunately went into default when I lost my job a few years back. I had been paying BC an agreed amount of £22 per month ever since without any problems. However, I recently received a letter from BC telling me that they had assigned the debt to Link Financial and that I should now make payments to them. I haven't done anything so far, as I have read in various places that I shouldn't have to pay anyone other than the company I owed originally. Is this the case? I have read about sending them three templated letters followed by an Estoppel notice - is this the correct course of action to take? I also understand that they could have bought the debt at a greatly reduced cost - should I offer something like £250 to try and settle the debt? Or, is everything I've read false and I should just start to make payments to Link in the future? I'm getting unbelievably frustrated with the worry of this, but I don't want to pay anyone who's not entitled to it. Surely if BC are prepared to take a far smaller amount to settle the debt, they should offer this to the person owing the debt first?

Hello financial guru's Today I received a letter from BC saying my account is to be transferred to Link Financial. This account has been on a repayment plan for the last 15 years, this was set up by Citizen Advice and I was paying £10 a month with no interest, this went on for 10 years with no hiccups. About 5 years ago BC decided to up my payments to £40 a month with a 3% apr, I've had the occasional nag letter about going to full apr but after some phone calls they have agreed to stick with the plan. 15 years ago the debt was about £4000, now it's down to 1200 so I'm not sure why they have done this. I remember a few years ago when we was having trouble making the new payments there was added late fees on top and when I first could not pay 15 years ago there were plenty of lates. I am not sure what to do now, shall I wait for the transfer over to LF and see what they want? my wife is all for re-financing it onto a new 0% card just to get rid of them? Any advice will be gratefully received. mutts

Just received my Barclaycard statement which I was 2 days late paying so consequently they have charged me £12 plus £12 over limit fee, I've decided to reclaim the fees sending a copy of the template letter on this site (thank you) problem is I'm not sure how much they actually owe me, I've had the card for about 7 years and have been charged fees quite a few times. Any suggestions as to what I should do, can I send the letter without stating an amount and rely on their 'honesty' (Barclaycard & honesty, doesn't really work does it) I'd be really grateful for any suggestions from the experts , I'm so sick of letting them take my hard earned cash simply because I've been a day or 2 late in paying, have never actually missed a payment, thanks in advance.

been Paying a dca for the last 8 yrs for a barclay card loan:-x however with encouragement from this site i said enough is enough i stopped my direct debit and sent them a CCA today got a reply saying that my direct debit been stopped and to make alternative ways of paying however nothing about the CCA my plan is to wait and see what comes next:-( any avice:?:

I defaulted on an MBNA Credit Card Debt in 2011. It was sold to Link Financial in 2012. It is showing on my credit file as owned by Link Financial. I have been making a token payment monthly. Reading the forums I see that settlement can possibly be made with a F&F. I made a CCA request and received the signed loan agreement. I made a SAR and reclaimed the charges back in 2011 before default (unable to work). A family member has offered to gift me 25% of the total to settle it. I want to check before I go ahead - am I doing the right thing looking at F&F ? Should I proceed by making an offer to Link?

I have two cases with LTSB which are quite complex so please bear with me. Case 1: LTSB credit card debt pre 2007 - CCJ obtained by defaul at Northampton in 2011. I intially defended and it went to a full hearing which I couldn't attend due to family issues and my ental state at the time. They sent some big-time lawyer to the case which added £4K to the CCJ bringing it to near £19K with no interest payable. Got a variation order and have been paying £50 a month since 2012 without missing a month. Debt now approx £16.5K. I got a leteer last week from Lloyds saying they are passing the debt on to Moorcroft to collect. Why would they do that? It's not like I'm going to pay Moorcroft over a Court order? I'll obviously ignore Moorcrap, but am wondering what Lloyds are doing here? this CCJ dosen't show on ANY of my credit files or trustonline but does exist - I phoned the relevant court to see if there's been any movement on the CCJ and there hasn't. LTSB contacted me back in 2014 to tell me that their solicitor has been changed and that the court has been infomed. Well the court knew nothing about that when I phoned them a couple of weeks back so wonder if I can use that in some way? Case 2 Loan with LTSB - CCJ obtained 2011 - not defended as post 2007 - going through a bad time as above. Had the CCJ varied to pay £25 per month which I've paid without fail since. Got a letter from Asset Link in early July this year saying that they have bought the debt from Lloyds. In the same envelope was a letter from Lloyds saying the same thing. Contacted the court [Northampton] to see if there was any movement and they said no, everything was the same as 2011. Well, on a whim a couple of weeks ago, I phoned them back again and was told that the claimant was now Asset Link and had been since 2011 I was on the phone for over an hour with this guy telling me that I had obviously made a mistake and that LTSB were NEVER claimants. Finally he found a note on the file which was a bulk order from a judge changing the claimant from LTSB to Asset Link on a lot of accounts - not just mine. If I hadn't contacted the court, I would have known nothing about this - surely some CPR has been broken here? I have also contacted Asset Link asking for the original credit agreement from LTSB and the current statement of my account. They replied saying it would take them up to 30 days to get the info - it's been over 50 days now so it looks like they don't have it. Their solicitors have also contacted me telling me it's important to keep up my regular payments to the new claimant. I'm sorely tempted to just give up on these two debts. The total is just over £20K and even paying £75 a month as I have been, will take me over 20 years to pay. I'm self employed on low income, don't drive and have little in the way of assets for bailiffs to seize and I rent my home - so in all honesty, what have I got to lose? If you need any letters posted up, just let me know. Thanks for reading and I appreciate any help and advice you give.

Hi guys. After scanning through a few similar posts I thought it would be clearer to understand if I posted my own thread hi-lighting my own concerns specifically. Hope that's ok? I'll give an explanation of my situation then submit my questions. About 7 years ago I had a few outstanding debts on various overdrafts and c/cards etc. My wife and I owed around £4'500 in total. Nothing to get to worked up about. My wife and I seperated though and after a clean and simple divorce I was left trying to float the home finances alone. Living on half of our former income, things quickly started to spiral out of control. In the end I went to citizens advice who spoke to all the creditors and asked them to freeze all my overdrafts and cards etc and also freeze any interest charges. We arranged affordable repayment plans for each of them and all has worked well since then. One of the accounts was with Barclaycard. I owed around £1'500 and they kindly agreed a repayment plan of £12.00 per month. I set up a direct debit and all has been going great. I've never defaulted on a payment and I've watched the debt steadily fall. Just a few weeks ago I called them and asked if I could up the payments from £12.00 to £24.00 per month in order to clear the debt more quickly, as it was now down to a balance of just £429.00 I was told by the representative on the phone that it would be easier to leave the account as it is for a while as Barclaycard were in the process of transfering some accounts to another company who would be taking over the management of these accounts and collecting the remaining debts. I said I was not happy with this as my debt was with Barclaycard and it was them that I was in a contract. I explained to her that I could not see why it was ok for Barclaycard to suddenly change the contract. She tried to reassure me it was all ok but I insisted that I speak to her supervisor. After a minute or two another voice came on the line and told me not to worry and that it would be fine to up my repayments. If I wasn't happy to switch company's then no switch would be made. I hung up satisfied with the outcome. Then a week or so later I recieved a letter from Barclaycard dated the 10th Oct 2016 informing me that they have, and I quote... "closed and transfered your Barclaycard account to a company called Assett Link Capital (No.5) Limited. They've appointed Link Financial Outsourcing Limited to act on their behalf so they'll be looking after your account from now on" On the same day I also recieved a letter from Assett Link Capital confirming that Barclaycard had "Assigned" the account to themselves and that they in turn had appointed Link Financial Outsourcing Limited to service the account on their behalf. Included were contact and bank details to arrange payments with Link Financial. With all this looking so official and above board and not wanting to once again incur charges against the account, I went ahead and visited Link Financial's website and filled out the online direct debit form. I then recieved an email thanking me for my completing the Direct Debit set up form and that my information had been received and they would begin setting up my Direct Debit shortly. Although I wasn't happy at being forced into accepting this change I felt it was more important to stay on top of repayments rather than damage my now recovering credit score. I have since seen some online articles which have caused me to have concerns. So the questions I've been asking myself are as follows. 1) Am I in any danger of being defrauded by a fake company who have access to my personal banking information? 2) Are Barclaycard in breach of contract by handing my debt on to another debt recovery agency? 3) Barclaycard say they've "Closed" the account where as Assett link say Barclaycard have "Assigned" the account to them. Is this the same thing or are these companies being clever with their wording? 4) Now I have filled out the online direct debit form with Link Financial have I obligated myself to repay the outstanding sum to them. 5) If I have not obligated myself to make repayments to these other agencies and do try and challenge paying back the debt, will this have a damaging effect on my credit score? I appreciate your taking the time to read this, much longer than anticipated post, and look forward to any help and advice you good people may be able to offer. Thanks and regards. Skinz72

Hello everyone, I'm posting this as a heads-up for others as much as a call for help. I walked away from some debts 6-7 years ago, so all s-b and I've heard very little (the occasional half-hearted phishing letter). I am living credit-free and within my means. The exception was an MBNA debt which went to Link, who got a CCJ in the autumn of 2011. I'd hoped to counterclaim on their outrageous charges and horrible harassment but I'd failed to do my homework properly, so I lost. The court did set the repayments at £10 a month for evermore (on £6000), which I pay by standing order. It's down to £5k+ now. Link send a "summary" every 6 months stating that I'm in arrears and the total is due, I don't pay it any heed. They have called once or twice since 2011 asking if I'm "happy with the payment arrangements" and I've said, "yes, thanks". As I understand it, the CCJ will disappear from my record by the end of this year, and I see no advantage in paying them any sooner; I'm effectively getting an interest-free loan from them, and my hope is that they'll go out of business before I've paid it all off. Also, I don't want to give them the chance to say I haven't complied with a court order. I've had two messages left by Kearns in the past fortnight, out of the blue, seemingly, although I'm guessing that as I've recently been credit-checked for job applications, this may have triggered something. They've called with numbers withheld, asking me to call them urgently. I hadn't heard of Kearns, so looked them up on here and learnt that they are part of Link. I'm guessing that I should ignore and wait for them to write to me. I wish I could say I'm not bothered but I am curious and my blood pressure actually shot up this morning. (It's going down, typing this. Taking back control, something CAG has taught me well.) I wonder whether they are hoping to trick me into making a new payment arrangement (which would invalidate the court's agreement, wouldn't it?) or are fishing to see whether I'm working now, and/or want to make a deal - final payment in return for removing from my credit file (I don't know that that's even an option, as a CCJ is a public record). The other possibility is that they're calling on spec regarding other old debts, but anything else is statute-barred. So ... wait for the letter, I guess? Can I stop them calling? They've called just before 9am, so I've had my phone off, and I'm prepared for any "no caller ID" calls. If they catch me, will ask them to put anything they have to say in writing. Should Kearns be reading, and working out who they've been calling this week: my circumstances haven't changed, but feel free to write to me. The contents of your letter will be shared with my friends on CAG for info purposes.

A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to make drop down to the minimum amount of around £200 which when combined with interest barely shifts the balance and it slowly rises and hovers around the £9000-9500 mark for about a year - some months it crept over the limit and I'd have to find the funds to get things back in check. In 2014 I admit defeat and go on a payment plan, they refuse to freeze the interest but do reduce it and my monthly repayment goes down by around £100. I keep to that plan and when it expired I renew for another year. When that second plan expired they refused to offer me a third agreeing only to an informal arrangement of £110pm but with frozen interest which I've kept to. The months on the informal plan appear on my credit file as months of sustained arrears. On November 28th I received a letter saying my debt - which has now reduced to £5700 has been transferred to Link Financial who I've yet to hear anything from. The letter from Barclaycard says I should go on paying them until I have details for Link and any funds will be passed along, my informal agreement will also be honoured for at least a further 6 months. Since the debt is no longer with BC, should I continue making payments to them or stop payments all together until Link get in touch? if the answer to that is yes, will not paying anything in the meantime put me at a disadvantage when it comes to them continuing to honour the informal arrangement? will I in a sense forfeit that arrangement. I've also read horror stories about Link and they're love for CCJs, how likely are they do this if payments to a debt are being maintained? the thought of a CCJ fills me with horror as I work for a company who deals with Pensions and as part of that I get credit checked every other year - I don't know what affect a CCJ would have on that check and I'd like to avoid having to find out! Am I stuck in a state of limbo until Link eventually pipe up? I've seen people speak of full and final offers, were I in a position to make such a proposal in a few months time - assuming they bother to get in touch - would a history of paying a decent chunk per month go massively against me compared to someone who has paid £1 for instance? would they see I'm good for more and try and rinse me for every last penny? Thanks in advance for any advice, it's stressing me out no end.

Evening all. I've been away from the forums a while, busy getting on with life but a few recent events have brought me back. Thanks largely to this site I have been able to get my debts largely under control, dealt with or paid off. Advice and information supplied on here has not only helped me claim money back, compensation and in some cases get debts written off but most of all it has given me a bedrock of confidence when dealing with the sharks, and conmen that work in this field. That said having felt like I'd largely dealt with my debt problem for these recent events to occur is more than a little annoying and upsetting. This thread may take some typing but please stick with it. I'm also looking for advice but also just trying to understand the legalities. Now Firstly, I have read around various threads covering selling CCJ debts etc but I have to honestly say I've struggled to fully comprehend the situation. here's my most recent story. in amongst the many financial issues I encountered during the crash of circa 2008 were 2 debts to LLoyds. One for a credit card and one a personal loan. In late 2010 and then early 2011 LLoyds secured CCJ's on these debts (yes I didn't challenge and over the years have wished I'd found this site much earlier (. the CCJ's were awarded and relatively nominal payments set £1.00 on the 2k credit card debt and £50.00 a month on the 15K loan. All interest was stopped.) Lloyds then secured what I thought was a CO on my house but now understand is a restriction as the house is jointly owned with my ex wife. So for years I was making payments and then as my situation improved I made additional payments and all seemed well until firstly last month I get a letter from Lloyds and a company called Asset Link Capital saying they have sold my account with the balance blah blah. so far heard no more even though they indicated in the letters that I would hear from a solicitor if the account is subject to a ccj or CO (it is only subject to CCJ). Now this week I've had a letter from 'LLOYDS' (though the return address, surprise surprise, is Moorcroft) telling me they have transferred (notice doesn't say sold) the other debt to Moorcroft. This account is subject to a CCJ and also the CO/restriction. Oddly the balance they claim to have transferred is some £373 higher than the balance they told me was on the account @ 24/06/2016, if add in payments made since it is probably 673 higher. So far no attempt has been made to ask for higher payments but I cannot imagine there is any other motive. my questions are firstly can they demand more without returning to the court? If they do try to go through the court can I request the matter is transferred to a local court as I am disadvantaged by it being impractical for me to attend a court hundreds of miles away? Also can they actually sell an account like this? It almost feels like as these CCJ's are about to drop of my file (one in October and one in January) that they have decided to stress and pressure me again. If I'd never found this site I'd probably be a wreck now after receiving these letters. So guys, any thoughts, either specific to my cases or just generally about the wonderful way creditors and DCA's treat people?

So it turns out PDLs are not just bad for your Bank Account & Wallet - They are also bad for your brain too!! I highlight the below because this is still massively worrying...

Hi I have a friend who has got into a bit of a mess financially due to a relationship breakdown. I am helping with a number of debts but he has one which Link financial are chasing on behalf of Barclaycard. I have sent the standard CCA request letter to which we received a response stating it will take up to 30 days to obtain this information for Barclaycard. I then sent a follow up letter advising that the account was in default as they had not complied within the statutory timescales. i also tried my luck with a request to cease processing personal information as my friend has a high profile job and Link have registered a default against his credit file without offering any proof the debt belongs to him. I stated that this could be professionally damaging to him. The replied advising that they are still awaiting documents from BC and confirmed the debt is unenforceable until they provide the documents requested. They also said it remains collectable and that they will not remove the default (I never asked them to remove it) They did not acknowledge my data protection request only stated they would not remove the default. My letter clearly stated that they were to either comply with my request under the DPA within 21 days or provide a detailed breakdown as to why they were refusing my request and their reasoning for continuing to process data. They have not acknowledged this. So I am hoping someone may be able to advise me what to do now. I have sent a notice of correction to the credit agencies explaining that the account is subject to a CCA request. Is there any way of having this default removed considering Link have not proved the debt? I would also really appreciate any help in relation to the DPA and their failure to acknowledge my request or provide sufficient reason for continuing to process data. Many thanks Kate

Ok long time coming Name of the Claimant ? IDR Finance UK II LIMITED Date of issue – 18 APR 2016 6th MAY to acknowledge 20st MAY to submit Defence What is the claim for – the reason they have issued the claim? 1.The claimant claims the whole of the outstanding balance due and payable under an agreement references XXXXXXX and opened effective XX/XX/2003. The agreement is regulated by the consumer credit act 1972, was signed by the defendant and from which credit was extended to the defendant. 2. The Defendant failed ot make payment as required and by XX/XX/2013 a default was recorded. 3.As at XX/XX2013 the defendant owed Barclaycard PLC the sum of XXXXXX By an agreement in writing the benefit of the debt has been legally assigned to the claiment effective XX/XX/13 and made regular upon the claimant serving a notice of assignment upon the defendant shortly thereafter. 4. And the claimant claims 1. XXXXXX 2. Interest pursuant to section 69 county court act (1984) at a rate of 8% per annum from XX/XX/2013 to XX/XX/2016 of XXX.XX and thereafter at a daily rate of XX to date of judgment or sooner payment. Date XX/XX/2016 What is the value of the claim? 3200 (rounded) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2003 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? unknown Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unknown Why did you cease payments? financial hardship and illness What was the date of your last payment? unknown - But not statute barred Was there a dispute with the original creditor that remains unresolved? Nothing solid. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes and for a while the arrears were brought into line with the original creditor. Then later on the OC withdrew the account without warning or explanation whilst minimum payments were being maintained.

Hello all, I've had a long standing MNBA credit card that I've been slowly repaying at ludicrous rates of interest for a very long time, I was out of work for three months in the summer gone, MBNA were very reasonable, froze the account for six months when i got back into work they refused to agree to any sort of payment plan other than a capital sum and essentially insisted on defaulting and selling the debt on. So the seemingly rather notorious Link Financial have now invited me to call them to discuss options. I've just posted the CCA template letter, along with £1 PO and a printed signature. I'm a seasoned veteran of the happy time of bank charges so have the general gist although I'm a bit rusty, I remember how good these threads were for keeping continuity but of course all good advice is welcome. The debt is a little under £10k. Broadly speaking where is it likely to end up? I can afford a certain amount of monthly repayment but a capital sum is out of the question. Thanks Micky

I have had a reply from MBNA/Link to my CCA Its 16 pages long along with a statement of all the payments made (I have had to split it into 2 parts so not to reach the max file size) (I have paid £1500 off the total so far) Its not in my credit file at all I would be grateful if someone could have a look over it and give me their opinion. Thanks

Hi there I took out a Barclaycard in 2006 I got into difficulty in 2013 after my mothers death and the account was passed to link financial- I thought they were a subdivision of Barclays so I set up a payment arrangement of £5 per week I was receiving letters from both of them at one stage so was confused who was dealing with the account. I was given new bank details to pay link direct so did so accordingly (mistake I now fear) I understood that I received a default from Barclaycard but on checking my credit file i have been quite surprised The Barclays information shows the account was opened 18/8/2006 and settled in June 2014 for £5601 with no default There is then separate information by link with a different account number (which I use as reference ony standing order) Account opened on 18/8/2006 which is not the case and they have recorded the default on June 2014 £5591 there is no further payment history shown to date just an outstanding balance of £5176 and the terms show 0 I did not start paying link directly until mid August despite them lodging a default in June Are they able to lodge a default when I have not entered into a credit agreeing with them other than to stupidly pay them directly (I didn't want to get into any more trouble) Does this look to potential lenders as two separate agreements given the different account numbers? And does this hinder my credit further? With them not showing any payment history does this mean that if I stop paying them that they will be unable to show a further default or enforce the debt? Please advise me of where I stand.... ..I do not want to impactt credit file further as I am strong desperately to negotiate full and final settlement s with all of my lenders to improve my credit rating Many thanks in advance

Hi Everyone, I've tried reading as much on here as possible however I'm now at a point whereby asking might be a clearer way forward. Debt - £2583.32 Creditor - Barclaycard I've had a letter through from Kearns Solicitors informing me that I have to pay the outstanding debt of £2583.32 is required in full otherwise I'll be taken to court in 14 days. I contacted them stating that I was unable to make any form of payment and that I had sent a financial statment to both IDR and Link whilst making an offer of £1pw. I was told that Kearns could either enter into a 12 month payment plan for the full amount of the debt or take full payment now. I said that this wasn't possible in which they said I would receive a summons in 14 days time. To cut a very long story short (as possible) I had to give up work to care for my disabled daughter whom is ventilated 24/7 and requires 2/1 care 24/7 in July 2013. On doing so it meant I was unable to pay my creditors and I also lost my house. As soon as I gave up work I started contacting my creditors informing them of my situation. Whilst most couldn't do anything until I actually defaulted, I was able to deal with all easily enough however this could only be done when my partner was present or the limited nurse cover we have was. Unfortunately I've lost track of who I've dealt with however I did forward a letter to both Link & then IDR along with a financial statement making an offer. I believe I spoke with Link however I can't be sure I spoke with IDR. Apologies if I've given any information not required however I thought some circumstances might be helpful. Any help/guidance would be greatly received. TIA

Hi everyone This is my first post here, so i hope you will bear with me if I get it wrong. In 2010 I was diagnosed with MS and due to deterioration in my physical condition I had to stop working. To keep it short, I had to sell my house and paid off most debts, however a debt to Barclaycard CC remained. In Oct 2013 a reduced payment plan was agreed with Barclaycard and to date I have kept up these payments firstly with them and subsequently with Link. I have listed below a summary of events. I have a couple of questions and any advice would be very appreciated. Should I respond to Links request for a financial review of the current plan by phone (they have supplied an 0800 number) or in writing ( they have supplied an income/expenditure form). Unfortunately I do not have my original Barclaycard Credit Card agreement or any statements of my payments when the card was active. Having read about PPI ect.. would it be worth me getting this of Barclaycard and if so, how do I go about doing this. Again any advice would appreciated. Oct 2013. Barclaycard agree due to my circumstances, reduced payment plan of £26.00 per month for 12 months.. Balance £4451.91 Oct 2014. Barclaycard continue agreement at £26.00 per month to be reviewed in 12 months.. Balance £4139.91 Feb 2015. Barclaycard write to tell me they are transferring my account to a third party called Asset Link Capital (No5) Limited. This is in line with the Terms and Conditions of the account and the transfer will happen in Feb 2015. They state that Asset Link Capital (No5) Ltd have been chosen after a rigorous selection process. My agreed repayment plan is to remain in place for a minimum of six months after which Asset Link will get in touch to review my financial situation and may agree a new payment plan. Feb 2015. Asset Link Capital write to tell me the following: We write to notify you that Barclaycard has assigned your account, as referenced above to Asset Link Capital (No5) Limited ("ACL5") on 27.02.2015 with an outstanding balance of £4035.91. ACL5 has appointed Link Financial Outsourcing Ltd to service your account on their behalf. They acknowledge payments of £26.00 per month under the terms of an informal agreement, and will review this payment plan at the date agreed with Barclaycard or six months from this assignment. Jan 2016. Link Financial Outsourcing send letter for payment plan review.

Hi there, First of all, I'd like to say thanks for all the threads on here. It's been really good to read. I bailed out on some Credit Card debt about 6 years ago this summer - I'm not exactly sure when. Today I received a letter from Link Financial Serviced addressed to me at my parent's house in the UK where I haven't lived for almost 20 years now. They're forwarding me the unopened letter. I'm just wondering what to do: the debt itself should be almost expired, so I don't really want to have any dealings with the company. But I also don't really want my parents involved as they're now elderly, and don't know that I walked away from the debt. I've lived in Spain for the last 9 years, but always paid through my UK bank account (until I stopped paying), so they're not aware that I'm not even in the UK. Is there anyway I can get my name removed from their database? I gather that calling them isn't a good idea. Any advice would be greatly received. Thanks!

Hi all. This is the first time I have posted here but am now at my wits end with LINK /IDR Finance. After a number of months struggling to deal with my credit card debts I decided to go on a debt management plan through CCCS ( now step change). LINK /IDR had accepted the amount that was aggreed ie a monthly payment of 43 pounds for a debt of £3,415.14. They didn't receive money because of mis-communication between cccs and link/idr. I wasn't aware of the problem until I recieved a letter saying that I have incurred a Litigation Charge of £102. I received a ccj claim form a day after. On speaking to cccs and link it turns out that because there was a discrepancy between them about the account number the payments were not recieved and after a couple of months of non payment they have now gone down the ccj route. I accept now that I will have to go through the ccj process(which I am gutted about . I began the debt management plan to avoid this in the first place!) but I am wondering would there be any point in trying to go down the route of a cca? Or is it too late for that? Any advice or help would be very much welcomed. Just to add briefly. I spoke to MBNA about the account they said that the account was sent to LINK/IDR for collection. I cannot remember if it had merely been transferred or sold to them. Seeing as the service dept department is closed weekends I will have to wait till Monday to pursue that.

OK long story simplfied. --------------------DCA--------------------------- Barclaycard taken out many years ago. Credit card charges account for £900 of the balance. They then SOLD the debt of £3300 to Link. They have provided me with deeds of assignment to prove it. On 25/03/14 I requested the CCA from Link. On 31st March they replied stating that they did not have it and were requesting it from Barclaycard and would take 30 days to get this. Even by their time scale this expired 3 days ago. So I shall be sending the unenforceable letter and removal of default on Tuesday. -----------------Credit Card Charges Reclaim------------------ I did a limited SAR on Barclaycard them asking for transaction lists. They were kind enough to send me statements going all the way back to 2003. As a result on 15/4/14 I compiled a list of charges and lodged a complaint requesting the full charges and 8% interest back. Despite Selling the debt on to Link and contacting me at this address and sending me all the statements they claimed I was not who I said I was and closed my complaint and told me to go to the FOS. They did not even go through the process of trying to establish my identity. As a result I have submitted a complaint with the FOS on 29/4/14 Now here is my question. I know I am not obliged to accept the FOS decision. Can I now alter my claim and add restitution on top of my claim already if I take it to court? I was unaware of restitution when I submitted the claim. If I apply it it comes out more than the debt is worth.

Hi all. I had been in dispute with Co-Op Financial since 2007 as they could not produce a prpoer credit Agreement. At the time, the debt was £2300 .I have seen them off over the years, along with about 15 collection agents. They finally sold the debt to Link Financial and along with all the overdue charges and interest, the debt is now over £6000. I nave not paid anything since 2007 and in that time never acknowledged the debt, I assumed it would be Statute Barred in December 2013. Link now tell me that the Co-op didnt default till October 2012, so not SB till October 2018!!! How can they default 5 years after last payment?

Ebay has decided in its wisdom to allow a link through advert for Ocean Finance in every UK listing. In the name of making a small amount of money they have done something that will cause insult to every catholic and moslem customer by forcing each seller to display an advert for a company that under the doctrines held by both religious groups is promoting ursury and forbidden. As this covers more than half of the world's population I really hope they have thought this one through as I cant see the benefit of upsetting that many people and breaking the law in many countries from as near as Italy and as far away as Indonesia and South America. Well done thy good and faithful servant (Matt 25.21)

Hello everyone, been reading all this and glad I did so signed up to get your thoughts. I have had my CC balance handed over to Link in the last few weeks, I called Link yesterday as they had left several messages on my mobile/house. Also a number of text messages. I have'nt yet received any letter from them though. When I spoke to the adviser, usual thing, very pushy and asking if I could clear the balance. I told him that I hadn't received a letter from them and that one should be sent out in the first instance. He replied. we sent you one on the 12th of this month, I asked for them to resend it again please and all he did was divert to try and talk about the balance. At this point, I said until you send me a letter I do not acknowledge this bill, send me a letter then I will take it from there via letter only. He said "We prefer to deal over the phone here" lol... I replied, "I like to have paper trials" he replied "sure, we'll play along" Joker.... after reading many comments the way forward is to first send a CCA request and give them the 12 days?? One thing I dont understand after seeing all the replies people are having back from Link is the letter from mbna 3 weeks ago said... "Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay...." This is what, according to many people Link are saying, that the agreement has been terminated therefore no CCA can be provided. This is a new debt where I only defaulted in the last 6 months. I have other DCA agreements that are fine and they have ALWAYS sent me a letter first Whats the best way forward people?