hi ,
i had an old credit card debt back before 2007 and stupidly back then even though i couldnt afford it i was phoned by link
they sent me a letter saying they now owned the debt from mbna ..
. if would offer to pay £5 a month which has been going on over 10 yrs now ..
only recently i looked on facebook site (website name removed - dx) and have had some advice but somone recomended this site to make sure …
they recently last couple of yrs started saying it was a concessionary agrement of £5.00 a month and asked for expenditure forms to be filled in AGAIN WHICH I REFUSED..
they decided to cancel my direct debit but set up their own for same amount £ 5 a month saying i stil need to fil in expenditure forms but next year ..
. at that time i decided to ask for a cca request in december 2019 ,,
they ignored and then again i sent a letter in febuary 2020 which they ignored and recent emails ,,
finally may this year i decided to ask were my copy was ,
they then told me they got the request last december but could not get a copy of cca as it was too old from mbna.
. i then asked for a letter to confirm which i received this week ,,
it says yes the request was last december but they have only let me know 6 months later they couldnt get a copy of cca , and yes its unenforceble but we are still able to collect on the oustanding balance as i remeain liable...
. any help pleasewould be gratefull ..
i know even after all these years it was defaulted on my credit report now gone but if they decide to sell onto another debt purchaser am i liable or is it completly unenforceble like ive been told
many thanks
link financila admitting no copy.pdf