Hello, where I live is a house with a lock up shop to the front of it . I have been renting the house for almost 12 years and the shop for just over 6 years. It is privately rented but I would be interested in buying the property and I know my landlord would sell. The value I would estimate is in the region of £145000. Getting together some sort of deposit is not a problem. My issue is that looking at my income and doing the calculations that building societies / mortgage lenders do, I fall far short of what I would need to borrow compared to the amount they would lend. My rent is £550 per month and the shop is £400 per month so I am currently paying £950 per month. I am certain that mortgage repayments would not be more than this. As over the past 12 years I have proven that I can afford this amount are there any establishments around who would look at affording me a mortgage on the basis of my proven rent payments ? Thank you in advance for any help or advice

5 Years On After hearing nothing for the past 5 years and ignoring their threats of county court etc, today I receive a statement of account from them showing the amount I still owe !! I plan to ignore this at the moment but my worries are now rekindled. It looks like another name change has taken place as this statement is from Link Financial Outsourcing

Oh well, Looks like I will have to face whatever they decide to throw at me in the way of courts and knocks at the door cos I ain't got a clue what to do now Thanks Ven

Well, it seems their ugly head has re-appeared. Throughout this year I have received 2 or 3 letters similar to the one mentioned in my last post. I have ignored them all but today I have received a letter from them informing me that they are immediately commencing recovery of the alledged debt. They are also informing me that My data will be passed onto their internal asset investigation department My account will be approved for recovery by way of a judgement secured secured in my local county court, and The debt will be transfered to an external fee charging debt collection agent who may call at my home Worried and concerned ?? Yes, I am Can anyone in the know afford me any guidance on what my best action may be please. Bear in mind that over two and a half years ago they failed to comply with my request of a copy of the credit agreement Any advice at all as to whether I should sit tight and see what happens or if I should actively do anything would really be greatly appreciated Thank you once again in advance Ven

Thats great Angry Cat, many thanks for the information. greatly appreciated. The letter informed me that I was in arrears by £15 !! Dunno where they get that from but I think my ex has still been paying them (stupid cow !) so maybe thats why I also got the letter. The text was asking me to ring and quote a number which I obviously haven't done. I will wait and see what there next move is first but I do appreciate your suggestion that I should CCA them Will let you know any further happenings Regards Ven

Yes Angry Cat, thats it Asset Link. I think it is the same company as the 'LINK' logo is the same. Still wondering if I should do anything or maybe ignorance and staying quiet is the best policy at the moment ?

Not too sure off hand as I'm at work and the letter is at home. From memory it was something like Action Link or Link Action. I will check when I get home and post it correctly. I am obviously assuming it is a change of name. i suppose it could be a 'different' company within the same building that has now 'bought' the debt LOL

Suddenly out of the blue I have received a letter from Link yesterday asking for payment and today received a text message from them asking me to contact them. Am I best to ignore these ? Should I write to them explaining their failings ? or would that make things worse ? They seem to have had a slight change of name but the address and reference number is the same. Yep, they have me worried again now !! Help !! what should I do ? Thank you in advance, Ven

Taken your advic thank you and uploaded it to photobucket. This is the link....... Orange Statement picture by venjada - Photobucket

Thank you Locutas and Human Writes for you thoughts on this. I didn't realise that the upload was so small, but the general formatting of the statement and appearance just don'tlook right or proffessional Orange would not have to supply a letterhead. Any old Orange bill or letter can easily be altered and some other piece of paper with a statement on it poorly attached and photocopied to make it look like it was from Orange. Obviously I will give this some thought before deciding upon which avenue to proceed along

As requested please see uploaded scan of document. I'm sure you will soon see what I mean Thank you once again

Hopefully someone may be able to give me some advice on this problem. My son had a mobile phone contract with Orange during 2004 and 2005. In 2005 he was posted to Germany as part of his army career, where he has stayed until August this year. I was not aware but he never terminated his contract with Orange and now First Revenue have sent him a demand for just over £600. This is the first he has heard from them since going to Germany. I wrote a letter for him to them claiming no knowledge of the debt and asking for them to prove their claims What they have supplied is a photocopy of a statement of account. The thing is though this photocopy just doesn't look right. It looks like someone has got or even made a badly formatted statement and then laid it on a piece of Orange letterhead paper before copying it. This is quite evident as the body text of the statement is no where near in line with the printing on the actual letterhead. In my honest opinion it looks like someone is trying to pull a fast one, more seriously though, surely this amounts to some sort of fraud ? I personally and honestly feel that that this document that they have sent is by no means a copy of a genuine document ( even Orange are not sloppy enough to print their statements on a slant !!) What I am asking for is any advice as to who or where to go with this and what action could I possibly take I thank you for reading this and if you can offer any advice or help it would be very much appreciated

Nooooo !!! Not heard a thing from Link for about 8 months now then suddenly out of the blue today they ring up chasing me again !! I told the 'LADY' that she should check back to see where they themselves have broken rules, regulations and laws and with reference to my letter to only conduct correspondence by letter and not telephone. Must say I am quite shocked now and really don't know what if anything I should do. They were in breach for failing my CCA request. they have also disrespected my written instructions for them not to phone me. Any advice on what I should now do would be more than greatly appreciated Thank you in advance Venj

Thank you for your reply Rudy, it is greatly appreciated. Obviously I don't want to go rocking any boats but at the same time I don't want to sit idle if there is something I should be doing. If there are any further advances I will post back Thank you all who have helped me so far :-) :-)

Another month on and it has ben a month of silence. I have heard nothing from Link at all. I must say in some ways this worries me !! What I am asking now from anyone who is familiar with these situations is this ......... Should I sit tight and do nothing or should I be actively persuing anything further ?? So far......... Any further advice really would be greatly appreciated Thanks in advance Venj