Hi From Dave. I sent standard letter 1 to Barclays Partner Finance (clydesdale Financial services) and today I had a letter from Career Development Finance Ltd (Chasing same alleged debt). It seems Barclays Partner Finance has sold the alleged debt to this other company and they are now chasing me for payment. I will of course start with letter 1 to them too, however during a little investigation into CDF (Career Development Finance Ltd) I came across this link.
It seems a number of people are having problems with this company. I note that one person said he approached the Trading Standards Office and was told that it didn't look as if CDF Ltd had a license to operate in the financial field they are trading in.
However also on the same thread another person said they do have a credit license Number, 396426. I don't know how to check that, but on the letter I have in front of me their registration number is different its 3059549 (Notice there is an extra Digit!)
I am toying with the idea of demanding a copy of their license to trade along with the other three items I want to see to validate any debt, Can I demand a copy of their license. If the license if fraudulent or non existent that could be very useful to know!. What do you all think?
Thanks LambChop and Mescalito. Love the humour in here.
I sent a first letter to barclaycard 12 days ago and got a reply today. Re Acct nbr xxxx xxxx xxxx xxxx
Reference: Section 78 of the consumer credit act 1974
We acknowledge receipt of your request for information under Section 78 of the Consumer Credit Act 1974 dated 05/05/11 We are dealing with your request and will respond as soon as possible.
I at not time asked for information under section 78, just a ploy by them to make me think they have given me what I have asked for. Problem is they are two days late responding and even when they did respond it was not by recorded delivery or include any of the documentation I asked for. Letter 2 went out 2 days ago. 8 days till the 3rd goes out. wish me luck cheers for the support.
Ok here is an update on Careers Development Finance/Clydesdale Bank/Barclays partner finance. one alleged debt all above writing to me to try to convince me its real.
Careers Development finance sent me a copy of the alleged debt in the form of a LOAN AGREEMENT, supposedly for an open university type course for which the debtor would have to pay £75 a month until £609.23 outstanding balance was paid.
I am looking at a Clydesdale Financial Services Ltd FIXED SUM LOAN AGREEMENT form. about 2/3rds of the way down is a section to be completed stating what the course/courses names were and a space for signature to indicate those are the educational courses the Alleged loan money was financing. Strange thing is the course boxes are blank. also there is no signature in the relevant boxes either. However there is a signature and a name of the person representing the bank! I think the course tutor messed up and should have got those boxes filled before signing himself. As I see it the sales man/rep for Skills Train screwed up and so if there is any more money to be paid on this alleged account he should pay it what do you think?
I hereby now reasonably state: 1.That you are indeed a third party interloper; 2.That you have no legal standing; 3.That you have no first-hand knowledge of this matter; 4.That your claim is fraudulent; 5.That any damages I suffer, you will be held culpable; 6.That any negative remarks made to a credit reference agency will be removed; 7.You will no longer pursue this matter any further. 8.That you agree to pay all Fee Schedules.
Should you provide sufficient evidence that I owe your organisation or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full.