Debt sold on - new DN issued???

kelbag_2

Hi all, ok I'm new here (this part anyway) so please bear with me.
I entered a dmp with stepchange in December 2014 as my debts were running away with me and have been faithfully sticking to the repayment plan ever since plus increasing my payments when I could.

I had a letter from BarclayCard on Friday telling me my debt had been passed onto Link Financial which is fair enough. Link wrote to me saying they wanted the full amount of arrears in 6 months but also acknowledged the fact I'm on a DMP. Not a chance I can pay that as the arrears are over £3000.

I've checked my credit score this morning and found that Link have issued a default dated 6 days before BarclayCard closed the account.
My question is can they do this despite me not defaulting on the payment arrangements and the fact that no default is shown against the BarclayCard account?

Really peed off as it will now take me an extra 2 years when I thought I'd be clear in 4.

Any help would be greatly appreciated

sourcrates

Hi,

Yes they can as although you are re-paying the debt, you are not making the original contracted repayments, hence you are in default of your original agreement.