Link Financial Help

[Vix77]

Hello everyone.

I'm hoping I can get some advice before I make a mistake and commit myself unnecessarily.

I have been contacted by post, email, text and phone calls from Link Financial Outsourcing.

I unluckily answered a call to them today in regards to a barclaycard debt I defaulted on due to immediate redundancy in sept 2019.

I tried sorting a payment plan through Barclaycard directly in Feb 2020 but said they could not accept any payment due to my income being in deficit.

I didn't hear from them again.

Mid December, I got email from Link and letter from Barclays saying that Link has taken it on.

I caught on the call with them today where she went through a income, expenditure and conceded that I had -£125 a month deficit. Somehow, she asked me to make an offer each month for £20 by durect debit to start in Feb. She caught me at a distraction as i was working and my dog being a handful !

After putting the phone down, I doubting myself.

Questions are: Do i pay it? Do I ask for CCA copy? If I do is that admission of debt? Im 2.5 yrs in not paying. Think account was opened around 2012 ish.

Please help , debt is 6k and my ownly debt. I live in housing association and have no assets.

Thank you

Vix

[echat11]

Hi Vix

The debt isn't statute barred although the account was opened in 2012. You'd been making payments upto September 2019.

It's not a priority debt, so if you can't make a payment after going through an income and expenditure form, so be it. Then you don't make a payment until your circumstances change.

a) Send Link Financial a CCA request they have 14 days to provide you with a copy of your original agreement. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

b) Send Barclay's a SAR, they have 30 days to provide all the details on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

c) Send the following letter to Link Financial, amend it to suit your circumstances, make sure you get Proof of Postage.

https://www.citizensadvice.org.uk/de...tors---letter/

Don't speak to them over the phone, everything in writing.