Hello everyone. I just wanted to give everyone the outcome. Furthering to what occured in the past (As explained in previous messages on this thread), LF have recently written to me confirming that the alleged debt is in-fact statute barred, no further action will be taken and LF have confirmed the account is now closed. Thanks guys and girls for all your help

Have done. Thanks

Hello everyone. Link Financial after all these months have eventually got back to me in regards to the Credit Agreement request. They have sent me an extremely poor copy of a credit agreement relating to a debt which appears to be mine, from the year 1999. The copy is only of one side of the agreement. The copy is so poor that it would be no point scanning it to show you. I can make out my name/contact details, amount the loan was for, signature. I can just about make out the "Loan and payment protection" details. The "Customer Declaration" is written so poorly I doubt I could read it even under a micro-scope, in-fact some words are too smudged to read, some letters are even missing. More importantly, the agreement is dated in the year 1999, I know for a fact that I have not acknowledged nor made any payments towards a loan for at-least 6 years. So could you please advise me on the following: 1) Since the agreement is such a poor copy that much of it is not even readable, particularly the Customer Declaration, what letter can I send them or what should I do?. 2) Since the alleged debt is statute barred should I send them template 'M'?. PS: Link Financial enclosed a letter stating that they will be sending me a budget planner

Hello everyone. Excellent thread. A lot of posters have given excellent suggestions. Now lets get down to business. To make this idea workable I suggest the following: * Lets firstly appoint an expert on here to overlook everything. For example, lets say we have appointed "Mr A". * Now, each time any of us gets a letter from a DCA which we feel is completely unreasonable, we pass on the letter to Mr A for evaluation. * Mr A then evaluates the letter and responds to the letter demanding payment, explaining the reasons for the demand, and the consequences if payment is not made in a reasonable time period. * Any payments received from a DCA are then distributed as follows. 60% of the payment is passed on to the poster whose lead it was. 20% goes to Mr A for his time/expertise/expenses. The remaining 20% goes to this excellent site.

OK, thanks Heliosfa.

I am not 100% certain if I have had a loan from Abbey however I am 100% certain that I have not taken out any loans nor paid towards any loans for at-least 7 years.

Hello everyone. Furthering to my previous messages I would like to give an update. Firstly, just to recap, a couple of months ago I received an "Investigation of assets" letter from Link Financial asking me to make payment towards an "alleged" debt. As advised by some of the helpful experts on here I sent off the CCA request letter. I received a reply which stated that they will contact the bank to gain the required info and will get back to me within 30 days. The £1 fee which I sent Link Financial was illegitimately used by them to reduce the outstanding balance of the "Alleged" debt even though I had made it crystal clear that I want the fee returned if it is not used for its intended purpose. It has now exceeded 30 days and I have not heard from Link Financial. What I would like to do now is, A) Inform Link Financial that the 30 day time-scale is up and request that they send me a letter confirming they will not contact me again in relation to the alleged debt. B) They should return the £1 fee which was illegitimately used to reduce the balance of the "Alleged" debt. Can someone please show me an example letter based on the factors above which I can send to Link Financial?. This will be much appreciated.

To best of my knowledge to remove a link which is not associated with yourself, you can take the following action: 1) Order your credit report from Experian (You can do this online via Experian's website or you can download a form from Experian's website and post it to the specified address enclosing a £2 fee after which Experian will send you your report by post) 2) On your credit report under "linked addresses" it should state the name of the organisation who is responsible for creating the link. 3) Send a letter to the named organisation asking them the reason to why they created the link and request them to remove it (Only the named company can ask Experian to remove the link) If the experts on here have any better idea's I suggest you follow their advice.

Well said Pinky. I'll just wait to see what they come up with in their next letter.

Hello Laura. Firstly, the letters you are receiving from Link Financial will not affect your mortgage application in any way so don't worry. As for the Harassment, there is a letter you can send them which should put a stop to them sending you any more worthless letters. I am sure a poster with a lot more knowledge on this matter will advise you accordingly. Keep in mind it is Valentines day, some posters will be romancing, so there may be a slight delay before you get a response.

Thanks Cerberusalert. I sent them Letter N from the templates on this forum, adding that I acknowledge no debt to their company. I'm just frustrated they have added the £1 stautury fee to my alleged account, I just want the £1 statuary fee to be either used for it's intended purpose or refunded, so that I know where I stand. One reason for this is that I am going on holiday soon for several weeks I just don't want Link to be abusing the situation in my absence. I guess I will just wait to see what they come up with. Thanks again Cerberusalert.

Hello everyone. Today I received a letter from Link Financial (In-case your wondering no it wasn't a Valentines card haha). The letter from Link was in response to a CCA request I made a couple of weeks ago. Firstly I would like to say that after reading various posts I was aware of the dirty tricks some Debt Collection Agencies play where they use the £1 statuary fee to reduce the alleged debt then a few months down the line they claim you have already made a payment towards the debt hence you acknowledged the debt. So for this reason, as advised by the experts here, I made it crystal clear to Link Financial that the £1 fee is the statuary fee not to be used for any other purpose. What has really annoyed me about this letter is that Link Financial have played the same trick that I thought they might play. I specifically stated in the CCA request letter that the £1 fee is the statuary fee which is not to be used for any other purpose. I also high-lighted this clearly on the back of the postal order (I made a photo-copy). Now this is the letter I have just received (Anything in BOLD is written by me): --------------------------------------------------------- Our Ref (Their ref number) Originator: (Name of alleged originator) Acc number (Alleged acc number) You have recently made a request under section 77/78 for copies of various documents. As you are aware (But I am not aware?, I’ve never acknowledged any debt) Link Financial purchased your debt from (Name of a Bank) on (Date they purchased alleged debt in 2007) and as such we do not always hold this documentation. We have recently requested a copy of the agreement and the most recent terms and conditions your account was operated under, and we look forward to sending this in the near future, however please be advised this can take up to 30 days to provide. No administration charge has been applied to your account at this time therefore any payment made with your request has been applied to reduce your outstanding balance (But I specifically stated that the £1 fee is the statuary fee not to be used for any other purpose?). However where cost is incurred by Link for the provision of any statements by the vendor we will pass these charges to you. Your account has been put on hold for the next 14 days for you to contact this office with further details as requested above (But Link have not requested any details from me?). --------------------------------------------------------------- As you can see despite my best efforts to make Link aware that the £1 statuary fee was not to be used for any other purpose they deliberately used the £1 fee to reduce the alleged debt. This tactic I am sure is used so that in the near future they can turn around to me and say "But you've already made a payment so why are you disputing the mentioned account". My question is what complaint letter can I send to Link to get the £1 statuary fee removed from the alleged account and be used/refunded in accordance with the terms and conditions of the act?. And in regards to the documentation Link claim they will request from the Vendor, does anyone know what Link are likely to supply me with?, keeping in mind that I have checked my past records which show I have been financially clean for at-least 7 years.