Barclaycard debt now with Link

[benq]

I've been advised that as I have been making payments to this debt, I will never get it statute barred. So it's now time to try and pay it off before they send me a PAP.

Before I do anything (like sending of an SAR) I just want to check in with the megaminds on CAG.

 

My plan would be to:

1. Send an SAR to Barclacard
2. Find out how much of the balance is charges and interest
3. Start a repayment plan/pay the remaining balance.

 

Details of the debt:

• Credit card
• £8000
• Wescott last contact Mar 19
• Barclaycard last contact Oct 16

[dx100uk]

send plink a cca request

[benq]

I am making a £1 a month token payment. Should I cease all payments, or continue?

Is there a particular address i should use for Link?

[dx100uk]

you don't cease payment until they fail the CCA request time limit

plink address is on their letters

[benq]

CCA sent to:

Link

PO Box 30095

London

SE17WU

-1st class recorded

-£1 postal order stapled, crossed, but no payee listed, is this ok?

-not signed

 

[dx100uk]

you cant send recorded to a PO box

and there is no need to use recorded anyway..this debt is not at court

read the complete CCA request link and all its posts,

 

dx

 

[benq]

They have failed the CCA time limit, should i now cease the £1 payment?

Edited July 4, 2019 by benq

[dx100uk]

unless  you wish yo keep running the SB date to infinity ofcourse

[London1971]

I had more than 9k with Link, from 2009, I ignored them and never paid a penny.  The debt went statute barred in 2014. I have recently shredded a folder full of dire threats from them, which they were sending up to 2013 ish, despite which they never took any action.

[Andyorch]

And they wont ...very few actual court claims issued by them...they prefer to go after the gullible who pay without question...and retain their investment profit with no litigation.

[benq]

Thanks for the responses guys. I will cease the £1 payment to these today.

[benq]

Got a letter back from Barclays a couple of days ago advising we will receive  refund on the above account

 

For £99, wowee!

 

Basically got a letter 'Following a recent review of our operating procedures, we have identified that for our customer who had fallen behind on their payments, we did not always meet our expected standards for assessing customer circumstances.'

 

They are refunding me interest and default fees which were applied to the account during the period in which they may not have provided the service which they should have.

[dx100uk]

open

dx

[benq]

Got a letter from Link last month advising they have seen ive got a new loan d and i should be paying theirs. (how do they find this out?)

I then got a text from them a week ago saying 'Welcome to Link'

Today I got an email from Clearscore saying a new credit card from Link will be added to my account soon.

It's just coming up to the 6 years i first defaulted, so it was just about to come of my credit report!

However its only about 2 years since i stopped making my £1 payment, so its not SB.

 

How can they open a new credit card in my name without ever signing an agreement? Surely there's got to be a way i can stop this,.

[Andyorch]

Its not new...simply an assignment of an existing debt and will only show for the remaining months until it sixth anniversary is reached...the original entry by the original creditor may still show  and cant have adverse effect on your credit files.

 

 

Andy

[dx100uk]

Report their texts as spam 7726 and block them.

they have your correct address from the cca request?

[benq]

I've actually moved recently, i know i need to update them with my new address. Whats the best way to do this?

[dx100uk]

simple letter with ref your ref xxxxxx

 

please note my new address as above.