Hi Guys. I've been fending off Link for quite some time. I did manage to get one CCJ attempt struck out but they still hold 2 more accounts and they are not giving up without a fight. I had been paying to all 3 accounts until I found this site. They have sent me reconstituted credit agreements for both these accounts & pre contract application forms. Both accounts were from MBNA credit cards. I replied to these efforts by saying that while the reconstituted agreements may have satisfied the CCA request, they were still not enforceable in court. This is their response : We note from our system records that you previously disputed the exact same issue regarding the credit agreements. We had made our position clear in our letter dated xx/xx/xx. We confirmed that the documentation sent was regulated by the Consumer Credit Act 1974. We will not enter further dialogue with you regarding the agreements as we had already issued our final response on the matter. It is nonsensical that you would make payments on an account which is now disputed. Please contact our office with your payment proposals to settle the outstanding balances to avoid any recovery action. Interesting that they are saying that I have more or less accepted they have a valid claim as I have already made payments to them. Do they have a point? Could they use that in any court action? Any thoughts on this matter & a possible course of action would be gratefully appreciated.

Hi All, I've had a read of some threads which have given me some really helpful advice, but I was hoping someone could offer something more specific to my husband's situation. My husband recieved a letter from Link a couple of months ago regarding an old (pre 1998) student loan. We sent off a statute barred letter only for them to reply saying the account was subject to a ccj and so cannot be sb'ed. I do not think they knew about the ccj to start with as the original sum they were asking was about £3300, and this dropped to £2400 in the ccj letter. My oh has no knowledge of the ccj (Link claim he has paid £104 towards it but as he didn't know about it this is unlikely!), but rang the county court who confirmed a ccj was given to the slc in 2000 (Link had ref no of the ccj). The lady dh spoke to at the court was quite helpful and told dh it would no longer be enforceable but would speak to the Judge. I assume she got 'told off' for discussing it with dh as he recieved a strangely short email from her saying Judge said they would need to seek permission to enforce but this is likely to be given! We were planning on replying to Link just asking them to prove the ccj, that they are the claimant etc - not telling them we had spoken to the court and see what they come up with. The debt helpline suggested we could offer 30-40% of debt as settlement - is this a good idea? Reading on here we assumed it would be unlikely to be re-enforced, but the reply from court suggests it could be likely. Can anyone suggest what would be the sensible way forward here? Thanks

Please help!! I've just received a letter from the above saying that I owe them £ from a student loan I took out in 1994 - 97. I have had zero contact with anyone about this since at least 1999, and they say they will not accept monthly payments but want the money within 21 days or they will come round and recover goods! I am in a state. I'm afraid i did foolishly call them as wanted to sort this out, but have been reading that I shouldn't have phoned. Can they do this??

Hi everyone, I really need some help well a couple of days ago I received a whole load of letters from Lowell Financial in regards to Dollar Financial whom are trading as The Money Shop. Around about 2010 I did have a loan with TMS. I was working at the time but became unemployed and I couldn't afford to repay them so came to an arrangement to pay obviously I got the usual threatograms in the post and then heard nothing off them until last month when they have said that the arrears balance was £0.00 this was from Castlebridge Credit Management Services (Inhouse debt collectors). I also emailed them as well to clarify this and they replied back saying I owe nothing (So from my assumption the debt had be written off). Well lo and behold Lowlife Financial have since been sold the debt on and have said that I owe them £305.00 they have also obtained a copy of my credit file from experian and have also slapped me with a default I haven't got any paperwork from TMS to say they were going to be issuing me with a default. My question is where do I go from here I have cca'd Lowell and also sent the letter template in regards to the default documentation, but can they legally chase me for a debt that has been written off? they also ring me on my mobile phone several times a day as well and harass me by letter saying if I dont solve the problem they'll be trying to obtain a CCJ. Could anybody help me please I would be most grateful thank you

Hi Hope someone can help, am separated from my husband ( not legally yet) I live at my parents with my two children ( the second of which was born whilst we were trying a reconciliation that didn't work). I'm self employed and claim as a single person, I'm at my mums whilst trying to grow the business and save to buy a house. Have been discussing the situation with my ex , I 'm ready to move on from my mums. He has agreed to help me buy a house for myself and the kids to live, if i sell my flat to help with the deposit my parents will also help. The advantage for him is that his children have a family home and its an investment for him as he'll own 50% and the advantage for me is that we get to live in a home i would not be able to afford to buy on my own My question how will a joint application for a mortgage look to HMRC. We are not an in a relationship and don't plan to be. Can prove he lives elsewhere. I guess having the house is more important than the tax credits but I'll struggle without them for a good while whilst paying the mortgage. Just checking before we go ahead.

Who do I sar for a catalogue debt to get copies of statements the OC or the DCA? Thanks

Hi, I hope you can all help My friend was sent a letter today in her maiden name to her home address (not her current but her home address when she was younger) saying that I (maiden name) had given them permission to contact them to give my details to them. It was from link financial outsourcing and the only thing I can think of is it is about a student loan? I am very confused though as I have had statements from the student loan company about how much I owe? Also I never gave my friends address to anyone regarding loans or anything? Is this letter genuine or should we/she ignore it? Thanks F

Hi all , My wife has an old (2004 ish) Barclaycard debt (£1400) that was bought by Cabot 6 months ago , we have only been paying a token £1 a month on this debt for aslong as I can remember . The wife missed Mays payment , completely slipped her mind blaming the fact that she's 14 weeks pregnant . I know that there are numerous late payment fees and charges + PPI associated with this debt but could anyone confirm that she can still , given that 6 yrs has passed , claim anything back from Barclays ? And what would the first steps letter wise be to get the ball rolling with Cabot ? Many thanks GD

Hi, I am hoping someone can help me out here. I bought a Ford Focus in December 2008 on a Hire purchase agreement. Unfortunately due to some personal circumstances and a bad time in business, I fell behind on my repayments and my debt was sold to Link Financial Outsourcing (LFO) in January 2012. This means I had repaid more than two thirds of the debt and so LFO would need a court order to repossess my car. I rely heavily on my car for work (I run a software consulting firm) and so rang LFO to see if they would accept a repayment plan on a monthly basis but I was informed this was not possible and I had 6 weeks to repay all the money. Rather stupidly I said, this was something I could do but the payment date has been and gone and I have not paid. Today I received a letter (Dated May10th) explaining they were now issuing court proceedings against me and I had to contact them within 48hrs to prevent it happening. I've tried calling but to no avail. As today is the 15th, I presume they have already set the wheels in motion. My question is; what is the process here? Am I right in thinking that they will try to take out a CCJ against me and that I will then have 28 days to pay this, before the baliffs come calling? Or have I got that completely wrong. I can lay my hands on this money by the end of June (I owe £2,531.86) and would be able to clear the debt in full, but somehow I don't think LFO would accept this at this stage. My Credit Report is completely shot anyway so at this point I am not too bothered about getting a CCJ (I already have one from a failed business deal) which was filed recently so either way it's going to be 6 years before it starts to repair. I would be really grateful if someone could please explain the process that LFO are now going to go through and how much time I have realistically to pay the outstanding debt off. I'd be thankful for any information you can give me. Please ask for any more information you need. Many Thanks, Matt