Just a quick update. spoke to Kearns yesterday who weren’t great really. Explained I was wanting to offer a monthly payment for the debt. The handler or whoever it was on the phone said she the income and expenditure form needed to be complete (can be done over the phone). I didn’t have all info at hand / knew it off the top of my head so explained I would need to call back. I can get the info required of course but wondered if there will be any benefit in ringing link financial to offer the repayment? Thanks all

Last one from me this evening Andy (I promise!). with regards to the “if we do not hear from you within 14 days . . . “ statement on the Kearns document. Is this any form of contact I.e would a phone call on Monday mean they have ‘heard from me’ or does this have to be via means of mail? Thanks again mate

Halifax is on there but there’s a note saying the lender has sold the debt to another member of information sharing scheme. The old account will have been closed and the new active account will show in the name of the lender who has bought the debt (now showing as link). on the report it is showing Halifax as opened April 2019 and defaulted June 21.

yes that’s right, it shows as link financial and states it is in default.

Along with statements from Dec 20 up until June 21. Kearns info-compressed.pdf

Just trying to sort this now. My original file was 30mb and I have been able to compress it to 6.5mb but it’s obviously still too large a file. I’m using my iPhone to sort this, i don’t really use a laptop at all. Just an iPad and my mobile device. a lot of what I have on the PDF is repeated month to month. Worst case I will remove some from pages and add in the text field what was there

Ring Link or Kearns is that Andy?

Hi @dx100uk exact quote taken from latest letter following pap reply: “We refer to previous correspondence regarding the above. Please see enclosed the documentation you have requested. We have also enclosed a financial statement for your completion, please return to the above address along with an offer of repayment. If we do not hear from you within the next 14 days, we anticipate receiving instructions to commence legal proceedings. If you want to discuss the content of this letter, please do not hesitate to contact us on the above telephone number” I will do my very best to get stuff scanned first thing. many thanks Thanks @Andyorch I think due to the potential threat of court I sort of imagined this would be the logical step. If it was standard letters from DCA I wouldn’t engage, but this is different. But the expertise and knowledge on these forums is incredible. In respect to the income/expenditure form sent out, does this need to be completed on their form? Or could I literally leave it blank but on payment offered on the final section just weird x amount of pound per month?

Hi Andy thanks for replying. I want to avoid court at all costs. halifax account opened in April 2019, £3,975 on it and defaulted in November 21. Last payment was probably June 21. Evening @Badtimes123mate Thanks for taking the time to reply. it was 100% a letter of claim yes. Would a reply from post 2 on your attached link be acceptable after I have already replied to say I don’t know if the debt is mine? I need to reply within 14 days regardless anyway? I haven’t listed the other Cc’s / defaults simply because I didn’t think it was relevant to this specific case. I’ve had no correspondence from the others, just Link financial / Kearns in this instance. I can of course share this info (first thing tomorrow - currently at work) Interestingly when I looked on my credit report earlier Link Financial are down as a credit card account. Is this because they now own the debt? I found it strange given they’re not the original creditor. thanks again, I really do appreciate the effort people make in replying and offering support

Evening all I’m hoping for some advice on next steps for my current position. i had a number of CC’s that were defaulted and sold to various DCA’s. After lurking the forums for a while during that period I haven’t paid anything towards them and ignored all letters. However, I received a letter of claim from Kearns solicitors on behalf of Link financial who took over my Halifax CC (£3,975.15). I knew I had 30 days to reply which I did. I didn’t accept the debt was mine but opted for Box C stating I don’t know if the debt is mine and requested information back from them (having since revisited the forum I can see I probably should have opted for Box D and disputed the debt). i requested the following information: A copy of the written contract for the debt; A full statement of account, including details of all interest and charges included on the outstanding balance of the debt, explaining how they have been calculated, and any payments already made toward the debt; a calculation of the interest claimed; the annual or daily rate of interest; a description of the nature and amount of any administrative charges included in the debt; a copy of the notice of assignment of the debt. I received a letter of acknowledgement back from Kearns and then received all the requested information. The letter stated “We refer to previous correspondence regarding the above. Please see enclosed the documentation you have requested. We have also enclosed a financial statement for your completion, please return to the above address along with an offer of repayment. If we do not hear from you within the next 14 days, we anticipate receiving instructions to commence legal proceedings. If you want to discuss the content of this letter, please do not hesitate to contact us on the above telephone number.” so I just don’t know what my next move is really and would appreciate any advice. The 14th day is less than a week away so I obviously need to act quick in order to avoid any CCJ? Many thanks