Hi all I put my hands up to being a very silly boy, I received letters from Link Financial and asked about it here and I was advised to write to them, I wrote the letter but then we were moving house . I waited to send it as I wanted to add the new address. I received the Claim Form I checked my files and it is still there unsent. I received a letter from Kearns Solicitors regarding the same Barclaycard account and put it to one side and with one thing & another over the past couple of weeks I did not get round to posting here as been very busy, Now I have received a claim form from the County Court Business Centre/Kearns Solicitors. Any advice on what I should now do going forward would be greatly appreciated and I promise I will action it this time.

Thank you all for your replies. Sorry for the delay, I was waiting for him to get back to me. The letters state: Your outstanding accounts Original company name lowell ref balance Dollar financial xxxxxxxxxxxx xxxxxxx He is getting quite worries as has had voicemails and also another letter

Hi all My Uncle has had a letter from Lowell saying they are acting for dollar finance. He had a fair few different pay day loans in the past and thinks this is probably to do with the Money Shop. If so he thinks he borrowed around £500 anywhere between 6 & 10 years ago. He has no clue what he has paid back as he has moved numerous times and has no paperwork. He thinks he was paying £1/month up until around a year ago or so. Can anyone please assist with what his next steps should be please? Thanks Paul

Hi Dx, thanks again. I've scrolled through the forum and searched some keywords for the life of me I cannot find what you are saying. Any chance you could please point me to the posts or give me the keywords I need to search for as pulling my hair out here.

Thanks Dx Is there somewhere or something specific I should be reading up on please?

Well paying nothing would obviously appeal! Yeah one was definitely 1990' as it was previously the Egg card and other I think was also 90's but could have been 2000's

My signature on that cheque is nothing like my signature, but I took a copy of it in case they try to use it. I have read up and maybe I should explain better the reasons I said I may be better off with them. First I would look to settle and from what I have read you can often settle for anything from 50-80% of the total debt and secondly, if I cannot settle they cannot charge me the 14.9% BC will charge me, although from what you have said it sounds like I am wrong?

Letter done & sent, forgot I even had a cheque book! In the meantime as I said I had 2 a/c's with BC, this one that owes £2600 and another that owes £2800. Both were subject to the same arrangement but only tis one has been transferred, called and asked them why and they do not know! I'm thinking I am better off with Link as then, if they can prove the debts, I can look to negotiate a final settlement for both all in one or set up a payment plan for both all in one. Any thoughts please? Also is there any relevance that one of them used to be with Egg? Thanks again

My apologies, I thought it meant the original but i cannot edit it, can you remove it please? Yeah I have stamps and can post nut without proof of postage. Was thinking if I email they either do it or if not I will send them by post with proof of delivery, I'm in no rush!

Hi all Had a BC a/c for many years, decades actually, and was struggling to repay in 2018 so they agreed to stop interest and all contact for 1 year. Never heard anything more from them and then got a letter this week from LC Asset saying they had been assigned the a/c from BC and that they have appointed Link Financial to act on their behalf. Also received a text from Link yesterday, not sure how they got my mobile but assume BC passed it on, I did not think they were allowed to do that under GDPR. I'm not sure but I think this may be an old Egg card debt that BC took over, I had 2 BC a/c's, one was from Egg and one I already had but this was donkeys years ago so I am not sure now which was which. I've read a few posts where people have asked if they were Egg a/c's so did not know if this was relevant. As yet I have I have not made any contact with them and the way I see it is my 1st step should be to send a CCA request, my question is as we are all in lockdown and due to the circumstances we find ourselves in should I try doing this via email first? I live in an are of London with a very high R rate and really do not want to have to go queue in a post office unless I absolutely have to. So I was thinking if I email they either accept it & reply or if not I will send a letter. Any thoughts please? Thanks in advance for reading and any help & advice you can give Paul My proposed email: (template removed - dx)

They've removed it for now. I provided them with proof in the form of a letter from my solicitor confirming it is required and a tool of the trade and also my business insurance certificate. I do work through the night and my contracts with companies state I need to attend call outs within 45 minutes so even during the day I would struggle to reach most places.

Under Section 54 of the Magistrate Courts Rules it expressly prohibits bailiffs from removing a vehicle used in the course of employment and *under section 15 of the Court and Legal Services Act 1990 you cannot levy on: ‘Tools, books, vehicles and other items of equipment as are necessary to the debtor for use personally in a job or business’.

Hi All I have a debt from a previous address which is in dispute. The matter is now with the ombudsman. Today bailiffs visited me and when I looked out the window there was a clamp on my car. I spoke with the bailiff and explained that the car was a 'tool of the trade' and without it i could not work. Further my divorce solicitors wrote a letter confirming this and I provided them with a copy of my insurance that states business use. Albeit this was amended as I mistakenly thought I could travel to and from my place of work but apparently that is not the case with Axa. I asked the bailiff on two occasions for documents and he said he had them but did not provide me with anything. He said I would need to liaise with his office, Phoenix Commercial Collections, and send them a fax and left leaving the clamp on the car. I faxed them a letter and the insurance certificate and the solicitors letter at 4pm. When I spoke to them they said they could not deal with it until tomorrow and when I called the bailiff he said he would be towing the car tomorrow, unless I assume he is told not to by his office. I did browse around and there was mention that if he hasn't provided any document regarding the power to seize the car or the fact he has taken possession the car hasn't as such been seized and I could legally sell it to a friend or relative tonight for a nominal amount and provide evidence of a bank transfer, receipt and the V5 notice part and they could not touch it, is this correct? I would appreciate any advice anyone could please give as I am very worried as I am in Court all day tomorrow regarding my divorce.

Hi All First ever post and been a member here for years! I bought 2 laptops from Tesco the week before last as they were reduced to £150. One was pristine and had HP tape sealing it and the other was sealed with plain parcel tape so i asked if it was ex-display or a return. I was told it wasn't and the display model was still out. Got them home and gave to my Son and Daughter to congratulate them (belatedly) on their exam results and to assist with their study and work. The second turned out to be ex-display, it had sticker marks all over it and had the shelf and display labels in the box. I did some research (google!) and found that PC World were heavily fined for similar: Sorry cannot post links, please google: pc world guilty of selling old laptops as new I rang the manager the following day and appraised him of the situation and the Pc World case. He was extremely dismissive of my concerns and stated that as the laptop was sold at £149 they and you had not done anything wrong, I explained the advice I had received and the relevant case and reiterated that his staff had said the laptop was not ex display and the receipt did not show it as ex display or similar. Yet again he was adamant they had done nothing wrong and was extremely patronising in the way he spoke to me. At one point he even asked what my problem was and that you won’t find a laptop for that price, which may be correct but I explained that if 1 was pristine, ie: not ex-display, then the ex-display should have been reduced as is the norm in my experience. I asked that he seek advice from the their legal department & offered to email the PC World case and speak to the store manager and he said he didn’t have to because he had made the decision and that decision was final. I said in that case I would have no choice but to take my complaint higher. I then emailed the CEO of Tesco and finally got a reply last Friday, which basically admitted they had mis-sold the laptop and offered me a discount of 10%. I spoke to the Customer Service Executive dealing with the complaint and he would not offer any more. I refused the 10% given that i have no idea how long that laptop has been sat on the shelf, powered on and running 24 hours seven days a week. I know a colleague who purchased an ex-display laptop and got over a third off theirs! I feel their offer is derisory and would some opinions on where i stand and what i should expect and do next? Thanks in advance

Hi Booked two return tickets to Amsterdam online with Easyjetfor my wife and i. Unfotunately the bookings are both in my name, dont know whose error this was. Have asked EJ to change but they want me to pay more than the original ticket price again. I understand why they do this, to stop people reselling. I however am not tryin to resell and fell this is then unfair. Advice and opinion is sought regarding whether i would have a claim under Contract law, ie: similar to bank charges in that the charges are unreasonable and punitive. Further they have added the "fare difference", which they sa is £50, but according to their website they have tickets for sale that are only £25 more than what i paid. Ta