Link Financial -Barclaycard CCA request

[Red76]

Hi

 

I have been in a DMP with StepChange for about 4 months now and it seems to be going fine - the threats/chasing letters are drying up. Most of my debts were defaulted in 2011/12 and have been passed to DCAs.

 

My account with Barclaycard was initially passed to Mercers (who I believe are part of Barclays) and I received a default notice in December 2011. The debt was then assigned to IDR Finance and is run by Link Financial.

 

When I check my equifax report (yet to do experian), the account does not show as a default - rather a series of status '6' since April 2012 (it is showing as Link Financial, not Barclaycard). I know this isn't a good situation and need to get it changed to a default (at least then the clock is ticking towards the 6 years). Surely if a default has been issued it should be reported?

 

What is the best way to get this rectified? Do I write to Barclaycard, Mercers, Link or Equifax or all 4? Are there any templates or is it a straightforward letter describing what has happened and requesting the status be changed to default with a date of Dec. 11?

 

I have seen a number of other threads re: defaults and CRAs but they do not quite address my questions...

 

Thanks

[Red76]

Hi, a few weeks ago I submitted a CCA request to Link Financial regarding my Barclaycard account which was defaulted and transferred to Link in 2012.

 

 

The account was opened in mind-1990s and the current balance is around 8k.

I have been making payments through my DMP for nearly 3 years.

 

In response,

I have received from Link today a letter from Barclaycard saying that they have satisfied my request and met their obligations by enclosing a reconstituted copy of my CCA.

The CCA itself is 6 pages long.

 

 

The first page contains my name and my address when opening the account all those years ago.

 

 

Page 2 is a photocopy of 'Barclaycard Conditions of Use' -I assume that these are supposed to be the terms which applied when I opened the account.

 

 

Pages 3-5 are a second set of terms and conditions - I assume these are the more recent ones which applied when I defaulted.

 

 

The last page is just a statement of my current balance signed by someone from Link.

There are obviously no signatures of mine to be found anywhere.

 

Does it sound like Barclaycard have met their obligations - does this type of CCA meant that the account is enforceable?

 

My main objective in submitting the CCA request was to try to assess the amount of a potential final offer to settle.

 

Thanks

[dx100uk]

if you took the account out in the 1990's then they'll need the signed agreement

end of.

 

 

pers I'd be dumping stepchange and doing the DMP yourself.

 

 

as I doubt, that, as you've found out link is now cash cowing you

they'll allow one debt to be stopped

 

 

I see you've others awaiting CCA returns too?

 

 

dx

[Red76]

Yes, thanks. Thats what I was thinking also - so that I could pay those which I know are absolutely are enforceable deal with the others?

 

Sorry - I hit post too soon with the reply above. What I meant was to switch to my own DMP so that I can pay those which I know are absolutely enforceable and then deal with those which I know are not in the appropriate ways (be that final offer settlements or not)?

[dx100uk]

not - IMHO!!