link financial and barclaycard debt

[Naylz]

I have a debt with the above company.

 

Was originally a barclaycard debt and is for nearly £7000.

 

all i get is the odd e-mail asking for urgent contact,they obviously dont have my address YET!

 

what can i do to get rid of the debt?

 

Thanks

Naylz

[dx100uk]

in a nutshell

 

 

not a lot.

 

 

when did you take the card out please?

 

 

once a debt is defaulted

the default is there for 6yrs paid or not.

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

NOTE: {the bracketed text is not ICO guideline but my advise]

[Naylz]

I first got the card in 2005

[dx100uk]

ok so they'll need a signed agreement to get you in court then. as its pre apr 2007 sign up

 

 

cca request time?

 

 

how much are we looking at here

and is there any ppi or penalty charges flying around in the past?

 

 

got all the statements?

 

 

dx

[fkofilee]

When was it defaulted exactly... Not Links Date but when you got the default notice?

[Naylz]

i only have the information that is held on my credit report,i have no letters/statements from them as i used to just bin them when i received them at my previous address.

 

Credit file lists the following:

Balance is £6800

default in july 2013

 

not sure of any ppi or charges?

[dx100uk]

ouch

£6800

 

 

no wonder plink are after you.

 

 

dx

[slick132]

Hi Naylz,

 

Do you know when you last made a payment to the a/c. Roughly if you don't know exactly.

 

[Naylz]

i really don't have a clue??? i'd guess at 2011 ish but i could be miles off! is there any way i could find out?

[Naylz]

had an e-mail from link saying they would settle for £5496! yeah like i have that!

[slick132]

Hi Naylz,

 

Have you sent off a CCA request yet.

 

Don't worry about giving them your current address - it's probably better that they have it. Otherwise they could issue a court claim at the last known address and they'd get a CCJ against you, in default. The first you know about it would be when you get demands for the CCJ at your new address.

 

[Naylz]

No,i've not sent a cca request yet,i'm going to try and get this done tomorrow,

 

 

one problem i have though is i do not know the account number??

 

 

i only have the details that are on my credit report and that only gives the last 5 digits.

 

also,do i send it to barclaycard?? or to link?

[dx100uk]

to link

blank £1PO don't sign anything.

 

 

follow the full CCA request thread posts

 

 

use the ref number on the link letters that they give for the account