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Monkog

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  1. Have just checked my credit report and so far nothing has changed
  2. am looking into that now to see if any blemish ....how are they unenforceable and should I send a letter of proof or ignore them completely , but keep log of harrasement
  3. I did I just know the number and ignore it when they call
  4. last week I had a phone call from a guy called roger who claimed he wrote to me in dec , and I had not contacted him , I said I have had no letter , asked what this is about he said I need you address , needlessly to say he got told where to go. .few days later a letter arrives from a company called link finance , I call them and find out its for a debt from hfo handed over to them. .. I stated I had a mental health problem(bi polar) to which I was told we don't care , how you paying us to which I said , you have got no chance in not so many words , explained I wrote to hfo requesting documentation none came , 5 yrs later this , have asked for a notice of assignment , the original credit agreement (£1 postal order) also I have asked for copies of any payment to hfo acknowledging the debt ( no money paid out to hfo )and also does 2 phonecalls 3 letters in a week and abuse of me and my health issues constitute a offence under the prevention of harassment act 1997. ..also can they just threaten to take me court with out me going to defend myself . I appreciate any advice
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