attachments LINK DOCS.pdf

Thanks for the comments so far! No, no credit limit given just that "We will determine your credit limit from time to time and give you notice of it" I think they have bought the debt but not sure - they sent a letter headed "sale of your debt" and carried on to say that GE had assigned to them the benefit of the debt owed. They have also kindly informed me that I have incurred a trace charge of £75, but other than letters asking for payment now and specimen signatures, have had no notice of defaults or anything (not to say that they haven't done that anyway). I attach here all the correspondence between Link and myself in date order so you can see what I mean! I also have not received the requested statement of account etc etc that I asked for. Do I write and say "oi, still not complied" or have they done enough now? Personally I think they are still trying it on a bit, although the fact they produced signed application form and the tone of their last letter makes it look like they might have full file, just being difficult and trying to ignore my CCA request as haven't sent them the 6 specimen signatures they wanted!

Attachments... Link letter 09042009.pdf

Hi! Sometime ago, I sent Link a CCA request, which they refused, and then i sent a dispute letter on the 10th February 2009. Yesterday I received the attached documents - a letter and what looks like an application form (although it is signed by me and creditor). Is this enforceable? Have they complied with my request now? All opinions very gratefully recevied - with many thanks, CAGNewbie

Hi! The situation is that I owe HSBC approx 20,000 unsecured managed loan, and various other companies smaller amounts (around the 300 mark). Most of these I am paying off, but owing to HSBC shutting my accounts and me asking for SAR etc not been paying HSBC for 3 months now. They have said nothing, just letters to say getting my requested paperwork togther etc. My questions is, given that I am renting, have no assets to speak of, earn around 1000 a month and am pregnant, will they try to make me bankrupt? Or can I push to repay over 5 years which I can (just) afford? And this debt was incurred purely by me, in my maiden name - will they make new hubbie bankrupt too, or is it personal? All advice gratefully received - do not need the stress right now!

Had the following from LINK turn up today (no scanner here so copying verbatim) QUOTE We acknowledge receipt of your letter dated the 27th January 2009, the contents of which have been noted. Whilst we appreciate your concerns and apprehension at providing specimen signatures and confirmation of your date of birth, these are requested to protect your interests not our own. Due to the account being with a Trace Agent we have to be absolutely sure that your the (name removed) who signed the credit agreement. Upon perusal of the details in our previous letter you would know if you had indeed signed for the issue of a XXX store card, and also if the postal location at that time was familiar to you. We required an official copy document which shows your signature and date of birth to resolve this matter, if nothing is received we can only assume you are the signatory on the agreement and recovery procedures will continue. Please note any information sent previously, was sent before you advised us that the agreement in question was not known to you. Yours END QUOTE What? So they are not giving me my CCA as won't give them signatues, but will continue and take me to court?! The account is in dispute now as the 12 + 2 days are well up now. So - do I write and tell them it's in dispute? and how do I respond to the above pile of whatsit?! (politely, that is...!)

Had the following from LINK turn up today (no scanner here so copying verbatim) QUOTE We acknowledge receipt of your letter dated the 27th January 2009, the contents of which have been noted. Whilst we appreciate your concerns and apprehension at providing specimen signatures and confirmation of your date of birth, these are requested to protect your interests not our own. Due to the account being with a Trace Agent we have to be absolutely sure that your the (name removed) who signed the credit agreement. Upon perusal of the details in our previous letter you would know if you had indeed signed for the issue of a XXX store card, and also if the postal location at that time was familiar to you. We required an official copy document which shows your signature and date of birth to resolve this matter, if nothing is received we can only assume you are the signatory on the agreement and recovery procedures will continue. Please note any information sent previously, was sent before you advised us that the agreement in question was not known to you. Yours END QUOTE What? So they are not giving me my CCA as won't give them signatues, but will continue and take me to court?! The account is in dispute now as the 12 + 2 days are well up now. So - do I write and tell them it's in dispute? and how do I respond to the above pile of whatsit?! (politely, that is...!)

Thanks for this - will send it today. Had a feeling they were trying it on again. Sorry didn't get the letter up - snow intervened and couldn't get to scanner! Will put it up today (just to keep it all together and tidy!) Had a thought (scary, I know!) - am SARing for managed loan, original bank account, original credit card and original loan(s) - will I be able to try to reclaim any charges/PPI on the originals despite the fact that they were closed and put into the managed loan? Think I will, but confirmation would be appreciated! Thanks to all....

Ah! That good a bank! Forgive my naivety.... Will shortly be doing the same with them - OH opening other bank account today so will be free from Abbey... Of course, will be stuck with someone else but we know more now and hopefully won't get taken for a ride too often with new bank! bring back a barter society...!

But even if I ignore the cheque, pretend that was never paid in, there were still cleared funds in there! They surely can't bounce a DD and charge for it if the money is in the account, clear and ready to use, just cos they feel like it!!! That seems a little harsh (even for Abbey!)

Hi all! Am currently looking for advice re Abbey - having a nightmare with them! My OH has an current account with them - no overdraft just simple debit card etc. They are looking to charge OH in excess of 200 quid this month alone (bounced DD's etc), mainly 35 quid a time, some at 25 and some at 5.00. EH? Why all different? Am planning on trying to get charges refunded - will do some research first though. But before we start the big one, have a small issue currently to deal with that I don't understand. They have charged OH £35 for a returned DD of approx £40. this is despite - according to the latest statement - having cleared funds of more than twice that in the account. (a cheque had been paid in 2 days previously, but despite taking that away, I still get cleared funds showing when subtract all transactions from the amount in his account!) Why else would they return a DD? Can I just go steaming in and demand answers on this one? All advice v gratefully received!

Well, on day 11 (counting from day after signed for receipt of CCA and SAR) I have received a letter from HSBC. I will post it up in a bit when can get to scanner. But in brief: the letter says has been passed to Data Protection Compliance team in Canada Square. Before a search begins, they want to establish who I am as letter was not signed, only printed. So they have enclosed an application form that they want me to fill in and return, with a non-refundable admin fee. They kindly point out that a full search will deliver everything to me including often repetitive print outs etc that may not answer my queries (implied - tax my little brain too much) so suggest I might prefer to request specific info from my local branch, help from the account manager etc and that they might waive the fee if I do this. If I want everything, and they can't prove who I am from records, they may ask me to go to branch with ID. Can they do this? I thought that with £10 and standard SAR letter (am assuming it is this, not the CCA via Metropolitan whom still heard nothing from) they had to give me my stuff, not delay and ask me to fill in forms and pay them a non-refundable fee! Or is this a standard letter sent to all who ask for info?(the fee they want is £10) Do I have to fill in the form? What do I reply to them? (other than to repeat in words of one syllable that I want everything, that's why I asked for it all!) And what do I do re CCA request? Thanks to all!!!!

I too have/had a managed loan with this bunch of shysters. It was sold to me over the phone when clearly distressed (was depressed, had been made redundant from good job and scraping by on pittance, rang them in tears as wanted to arrange lower repayments over longer term). I was NOT told about interest - indeed was told was lower than internal! They were aggressive, I accepted payments that still took more than 1/4 of my wages each month due to this, threatened with unspecified but BAD consequences if failed to make payments. I lost all my privileges (not even a cash card, let alone a debit card) and credit destroyed instantly(admittedly destruction since aided by own disatrous head-in-sand panic over all things financial). I have been paying for last 2 years. Missed 2 payments early on, but they did not do anything, just warned me that I had to keep paying, that if ever missed up to three payments would cause consequences, so i kept paying. rang last month to say "other bank mucked up, payment will be late, but coming, oh and here new address (forgot to notify when moved in June)" only to be told had all been closed and sent to Metro! NEVER had review, still don't know how much it stands at now (was a scary large amount around 20,000 when ML happened - overdraft, c/card consolidation, loan) The Lovely lady at HSBC refused to tell me when it was closed, refused to say amounts, refused to tell me where my payments had therefore been going, just gave me Metro's phone number. Am now not as depressed (angry not crying), and have just SAR'd them and CCA'd Metro. (all on other thread for those who interested - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178140-please-please-help-urgent.html). Will gladly sign anything I can to highlight what a bunch of complete !!!!!! these people are, and quite what a legalised theft these loans are (in my own personal opinion)

Well, today is the 12th working day after they received my request (as per Post Office track and trace), and so far no sign of a CCA (although given the weather, the postie may not have made it through as yet!). IF there is nothing when I check this evening, do I assume they cannot find anything? Or just that they are very slow?! Is the account officially in dispute as of today, and do I tell them this? Do I just wait until the 30 working days are up?!

Thanks! Have sent it off, all recorded etc! will see what happens...