Originally posted by Moonmonkey
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Barclaycard / Link
Agreement Start Date: 31/05/2005
Feb 20 Balance: £1118.70
Last Payment via Payplan: 15 Feb 2020 £99.61
CCA requested: 27/02/2020
CCA signed for: 02/03/2020
30/03/2020 - Letter received from link apologising for the delay - but Barclaycard have been unable to supply the documents within the 12 working day timescale. Although the account is currently UNENFORCEABLE until such time as the vendors documentation has been received, it remains collectable and they can still add a default etc.
Luckily Default dropped of my CRA's March 2019.
30/04/2020 - Statement of Account from Link
12/08/2020 - Letter received from Link - saying they have been unable to establish a constructive dialogue with your advisor (that will be Payplan) so they have cancelled my payment arrangement and to contact them to discuss repayment.
This is still unenforceable - no mention of the CCA request
September 2020 - picked the phone up to Link - advised that the CCA was outstanding and that why i wont be paying.......
3 days later CCA in the post - address was wrong - they just added last know address.
Niddy says unenforceable
Weekly phonecalls that I am ignoring - i'm a little twitchy about this one though
23/10/2020 - like a plum i picked up the phone to Link (thought it was Oak Furniture Land) - wanting me to set up a payment arrangement. Said that the CCA I received was invalid and i wouldn't be paying. They said they would get the original agreement in the post. Feel i'm making the situation worse
05/11/2020 - statement received from link - obviously still trying to rustle up the CCA
17/11/2020 - already a couple of calls this week, an automated Vmail and a text from Link (all ignored) - Not gonna lie this one is stressing me out.
11/01/2021 - letter received last week from Link - we have been unable to contact you etc and need to make a repayment plan
Agreement Start Date: 31/05/2005
Feb 20 Balance: £1118.70
Last Payment via Payplan: 15 Feb 2020 £99.61
CCA requested: 27/02/2020
CCA signed for: 02/03/2020
30/03/2020 - Letter received from link apologising for the delay - but Barclaycard have been unable to supply the documents within the 12 working day timescale. Although the account is currently UNENFORCEABLE until such time as the vendors documentation has been received, it remains collectable and they can still add a default etc.
Luckily Default dropped of my CRA's March 2019.
30/04/2020 - Statement of Account from Link
12/08/2020 - Letter received from Link - saying they have been unable to establish a constructive dialogue with your advisor (that will be Payplan) so they have cancelled my payment arrangement and to contact them to discuss repayment.
This is still unenforceable - no mention of the CCA request
September 2020 - picked the phone up to Link - advised that the CCA was outstanding and that why i wont be paying.......
3 days later CCA in the post - address was wrong - they just added last know address.
Niddy says unenforceable
Weekly phonecalls that I am ignoring - i'm a little twitchy about this one though
23/10/2020 - like a plum i picked up the phone to Link (thought it was Oak Furniture Land) - wanting me to set up a payment arrangement. Said that the CCA I received was invalid and i wouldn't be paying. They said they would get the original agreement in the post. Feel i'm making the situation worse
05/11/2020 - statement received from link - obviously still trying to rustle up the CCA
17/11/2020 - already a couple of calls this week, an automated Vmail and a text from Link (all ignored) - Not gonna lie this one is stressing me out.
11/01/2021 - letter received last week from Link - we have been unable to contact you etc and need to make a repayment plan
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