Thank you

Thanks DX Filrobbo If they can produce a valid CCA why is there no grounds to persue me. I do intend to come back to the UK and would like to get a mortgage. Can I just use an address of a friend in the uk or request the CCA is emailed to me.

I would prefer them not to

Hi I do not have an address for Link. I do not know which part of the CCA this falls under (it was a credit card debt) and I do not have a UK address I do not want to have my Over seas one? Ta Ian

Sorry. What does CCA'ing them mean?

Thanks Howard Its very kind of you to offer your reasurence. I will take there advise I just hope I don't get a ccj out of it. They are still leaving messages on my answer phone I am going to the bank this week so will find out exactly how long I'v been paying. I just can't understand why if ther is a balance outstanding they can't sue for it? Kind Regards Ian

Can they issue cort procedings to try and recover the remaining debt (not sure how much is left and dont know how to find out without contacting them, which could just open a can of worms) I still pay £30 a month

when I sold my house about 8 years ago I went to live outside the UK I am in the UK at the moment but do not own a house. I need to go to the bank and find out exactly when I started paying link (I had a brain hemerage 6 years ago which required surgery and my memory is not what it was) can they charge interest on any outstanding amount

Thanks DX are they able to add interest on this debt.

Hi New to this so forgive delay. I have a good credit rating and would like to keep it. I have no ccj and do not have a house. can they still persue me or obtaiin a ccj against me if I continue to pay what I originally agreed with them?

Hi Can any one help. I had a default notice issued to me in about 2004 after I could not keep up payments on a credit card after a bad accident left me out of work. The dept was for an MBNA Credit Card and was passed to Link. I filled in expenditure forms and aggreed to pay a fixed amount each month The original debt was for about £5500 and I pay £30 a month. I have never heard from link since then. I contacted them last year to see who much was outstanding. I thought I might be able to ay it off. But it was more then I could afford. I have not missed a payment since the arangment date. I have just started receiving phone calls from them but am reluctant to discuss any thing with them having gone through all that before. I sold my house in the UK 8 years ago and they do not have any address for me. I have honered all my payment agreements with my creditors after the accident and link are the only ones left. How do you thing I should handle this.