I had a debt with Monument Credit card that was bought by HFO. I got court papers in 2007 for them to get the monies owed. I spoke to them and was told to send the forms back to them and they would deal with it. Did all this and next thing i knew the court had ordered in their favor. They also obtained a charge against my property to secure the debt. As i owed the debt I just accepted it and we came to an arrangement to pay £20.00 per month. Balance was now £2,045.06 up from £1,477.56 as they added on cost and interest I think. I have paid this since December 2008 so have paid approx £1500.00. Around June this year the payments started to getting returned by the bank so I thought that I had finished payments. Today I received a letter from the Land Registry saying that Asset Link Capital(No5) have now been assigned the debt. I started to look up Turnbull and HFO and found they are not trading anymore. So I am at a loss as where to go do I contact ALC or go the courts? During this time I have only spoken to the a couple times on the phone and a few emails. I have never received any Statements only letters saying a payment was late a few days. Andrew

I have a debt with the above company. Was originally a barclaycard debt and is for nearly £7000. all i get is the odd e-mail asking for urgent contact,they obviously dont have my address YET! what can i do to get rid of the debt? Thanks Naylz

It seems they are all crawling out of the woodwork just lately, had a letter from Link Financial this morning with a very brief message. Now I haven't had a good laugh for a while but I managed to crack a smile at this one, I haven't had an account with Halifax for over 20 years and even then I had absolutely no credit facilities with them whatsoever. No credit card, no overdraft, no loans, nothing at all. I remember the account being closed quite clearly because they wouldn't allow me to withdraw any money after their cash machine had taken my card for no reason. I stormed in and demanded that they close my account when they finally returned my card and vowed never to use them again! So where have they got this outstanding balance from? The letter has my full name including my full middle name so they must have found something. Not that I am concerned because as stated, I have not dealt with Halifax for over 20 years. Thoughts?

My husband and I have settled any debts a long time ago, it was a bit of a shock when a company called Link began telephoning our unlisted landline and demanding I confirm my identity over the phone. They phoned daily for some time, and wrote regularly. I was wracking my brains trying to think of anyone we'd missed all those years ago, but couldn't. I ignored them for some time as I was sure I owed nobody anything, but the letters began threatening legal action, as they do, so I CCA'd them and they dropped the case immediately! Although this is a good result, I'm still a bit confused as to who they are, where they got our info, and who they think we owe money to. Do you think it's worth following up or just forgetting forever?

I was looking for a place to park near a local station. There is an NPC park and ride there, with a few bays, but I've noticed there is a road that goes around the bays with no yellow lines, and it's not clear whether or not it is a part of the car park or not, as there is only 1 sign at the back. There is plenty of room to park here, and others do, but just wanted to know if it is a part of it or not. Here is a google street view link which is pointing at the place I want to park, spin around and you will see the entrance road and the car park. https://goo.gl/maps/oJRbp There are no "You will be charged" signs anywhere, nothing on the entrance, if you took a right turn from the road leading in, you wouldn't even go past the sign. EDIT: Here are some pictures of the sign taken today. I couldn't even read the T&C's while standing right infront of it. http://imgur.com/a/G9sOM

Hey guys, little bit of advice would be great, I have not banked with co op for around 5 years they have teamed up with link financial to try and get £97 pounds from me, for charges to my old account, there was not any money in my bank account to make a payment to another company so Co op are now 5 years later trying to get it back, plus they sent the letter to my mums address which I have not lived at for nearly around 5 years, should I just ignore it?

Whilst helping a friend sort out their PPI claim I was glad to find a link regarding the FOS and what they do/have done in the past here is the link http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html It maybe of use to others but I must warn you that the reading in this link is very long winded and this also links to the decision/s that the FOS have taken to date. see the section on "case studies" then you may want to read about the Court case in the section marked "legal challenge".... I hope this is of use to those wanting to reclaim PPI....

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

i have had a Barclaycard for around 10 years and managed to run up big debts on it (aprox £12k). I ran into trouble after a period of being jobless and Barclaycard closed my account and agreed that they would freeze all interest on the account if i made regular repayments of £50.00 a month , at the time this seemed like a good deal overall as i wouldn't be getting charged interest and did genuinely want to clear the debt. I have just realised... (been sent a default notice by Asset Link Capital). . that payments for the last 3 months haven't left my account to Barclaycard. . am now paying £54.00 a month. . genuine oversight on my part don't often scrutinise my account. Asset Link Capital have told me by letter that i need to clear the payments they haven't received, which amounts to £162.00. Not having this amount of money to hand i rang Asset link Capital and asked them if i could just simply start up the repayment agreement with them to which they replied no, i will need to settle the late payments or am in breach of my agreed payment plan. when i asked what action they will take i was told they will apply a default to my credit record and "MAY" apply to the court to get full payment from me... currently £8000 ish... I guess my question is, why did i not receive notification from barclaycard that they were passing my debt on? they should have told me right? also... in layman terms what do their threats actually mean? Sorry for the long post Thanks in advance for any advice

Hi I have been in a DMP with StepChange for about 4 months now and it seems to be going fine - the threats/chasing letters are drying up. Most of my debts were defaulted in 2011/12 and have been passed to DCAs. My account with Barclaycard was initially passed to Mercers (who I believe are part of Barclays) and I received a default notice in December 2011. The debt was then assigned to IDR Finance and is run by Link Financial. When I check my equifax report (yet to do experian), the account does not show as a default - rather a series of status '6' since April 2012 (it is showing as Link Financial, not Barclaycard). I know this isn't a good situation and need to get it changed to a default (at least then the clock is ticking towards the 6 years). Surely if a default has been issued it should be reported? What is the best way to get this rectified? Do I write to Barclaycard, Mercers, Link or Equifax or all 4? Are there any templates or is it a straightforward letter describing what has happened and requesting the status be changed to default with a date of Dec. 11? I have seen a number of other threads re: defaults and CRAs but they do not quite address my questions... Thanks

Hello to the forum. First things first I would like to say a big thank you to all the people that have posted on here as it has been a great help to me in my fight with them- link, over the past 3 & a half years!! My situation. The usual pre 98 student loan. Never paid, recognised or did anything & had completely forgotten all about it until out of the blue, July 2011 a letter from link! I’ve batted with them for well over 3 years now. Done the statue barred thing only for them to come back with the CCJ thing by the student union in 2001. the question I have is this and would be very grateful of any advice; Link have not given me any paperwork and have only provided me with a reference number to the alleged CCJ and repeatedly claim that this is proof enough that the alleged debt is not statue barred? For some strange reason they seem to think that I am just going to accept that I have checked with Northampton CC where they claim it was issued (although in one conversation on the phone with them they told me it was Chelmsford CC after I said I checked with Northampton CC…hmm?). Checked the trust register online, phoned registry trust & checked my credit report & nothing anywhere. So is there actually any official way for me to check if this reference number is actually valid? I find it a strange situation that it seams all these official companies destroy or archive their records after 7 years as they are no longer valid yet a CCJ never becomes invalid, in a sense so we seem to be left with the situation where we have to take the word of this well dodgy company link…hmm!! Who I do not trust one tiny bit as they have lied to me on several occasions now and I get the feeling, especially after what I have read about them, that I wouldn’t put it past them to just copy & photoshop any old CCJ and claim it is mine if there is no way of actually officiating it?? I am now in a circular situation & I just don’t know how to get them off my back anymore. I’ve sent them the statue barred letter. I’ve told them a million times to take me to court but they wont as they know dam well that it will be a purple blue moon before for a judge is likely to reissue this CCJ as I fit all the criteria of the limitations act, it’s been 10+ years with no contact whatsoever, I've been easy traceable during that time and not committed any kind of fraud so they have no chance in court and they know it! Even if they did take me to court I would rather pay a solicitor £6grand to defend me than give this company the £3grand they allege I owe them as I dislike them so much, to put it mildly!! They know dam well they don’t have a legal leg to stand on so they just harass me with their constant phone calls (that I have a log of) and their letters# (which I have every one of), it’s just pure intimidation and I’m the type that will fight back, I’m just sick of it now though! They keep on claiming they have a CCJ by way of just giving me a reference number but I cannot officiate this anywhere so I have to take their word for it…hmm! In the meantime they are free to just harass me by demanding money just because they say they have a CCJ and given me a reference number, is this at all legal??!! # As an added note to their letters. They are constantly adding interest to the alleged amount even after I have sent the statue barred letter and I was under the impression that it would be a rare CCJ if they were allowed to charge any interest. So by adding interest are they still trying to claim the debt that I have clearly stated is statue barred as if they were trying to claim the debt by way of the alleged CCJ then it would be for the judgemental amount?

Hi I too have just very recently had the notorious Letter from Link saying that they have been assigned the debt we previously had with Volvo (previously Mazda) finance. And by some uncanny coincidence, had the exact same letter you recd from Landrover (we recd from Volvo) stating they had assigned our account to FCE who had reassigned to Link. I too had a man on the phone from link who blatantly refused an offer of instalments and asked me to go an apply for some finance to pay them off. SHOCKING!!!!! This lovely man has stated he will give me until the end of next week to prove that I have tried everything to raise the money before they proceed with action against me - so kind. today I have 7 missed calls on my phone that I know are from them (unknown number). I have decided that next time I speak to him, I will ask for his instruction in writing i.e to go and try and get the money via loans etc and his refusal of installments. Sorry for the long post, I just wanted to let you know I am proceeding down the same path as you have been (and still are travelling) and like you, am daunted by the whole thing although with every ounce of my body will fight this pond life. I may need to start my own thread and Im sure the moderators will advise me on this. Initially though I thought I would post on here due to the similarity in our plights. Just want to say, what a wonderful site and some brilliant advice and support from what i have seen so far.

Hello dx100uk has suggested I start a new thread. I have a lot of different debts and have been making payments to all of them that I arranged myself directly. It's my intention to get everything paid off eventually. MBNA have now sold my debt to Link Financial Outsourcing and it stands at £20,688.26 I had been paying MBNA £17 per month. Link Financial have said they will honour this "informal" arrangement until the review date agreed with MBNA or 6 months from the date of the letter (23rd December). I think the card was taken out at least 15 years ago. Should I continue to pay Link the £17 per month? DX suggested I send a CCA Request do I send that to Link now? Thanks

Link bought four of my barclaycards with average amount of debts over £10k each and I am paying £1 one of them and the rest of £55 each I had the cards for a long time over 12 years but nine month ago they have sold it to Link Link wrote to me at the time and said they are happy for me to carry on these payment And so I did pay on time since and they have not said anything so far. MY debts is about £50k and this was mostly due my business But the good thing about this is There is NO DEFAULTS on my file with any of my barclaycards I am wondering why this is or any suggestion what i should do I am happy to carry on with the payment for next few years but where would that ends

Hi people - i'm hoping somebody may be able to help me out with some advice. I'm currently in a DMP with Stepchange and have been since 2011. One of my debtors was Barclaycard. I have today received a letter from Link Financial, informing me that at the time the debt was sold to IDR Finance UK II Ltd, I had agreed an informal repayment plan. They have advised that although a default notice was issued by Barclaycard in 2012, it was not followed up with a formal demand and therefore it continued to be reported as "in arrears" to credit agencies. They claim that "working with Barclaycard they have identified they have been reporting inaccurate info about my account and are now correcting it". They go on to say I can continue paying the previously agreed amount via stepchange, however if there is no change to the amount then they will issue a default as from Feb 2015. They have enclosed a formal demand with the letter, which also states if a satisfactory agreement is not reached within 28 days the file we be reported as a default. Now dont get me wrong I know have defaulted on the debt, and if the default was "backdated" to 2012, I would have no issue as it is when i defaulted and I have others defaults around the same time. My concern is that this is going to set me back 3 years in terms of getting a clean credit file and I have worked damn hard to get back on track after having my initial problems. I cant help but feel this is pure bully boy tactics. Can anyone offer any advice? Thanks

OK after concluding my case with the OC I am now in a position to deal with this. History Launched action Against OC for unlawful penalty charges and interest in restitution. This case was concluded to my satisfaction. The debt had been previously sold on to IDR. The OC did not purchase or buy back the debt. Now its time to wrap this up. Outstanding balance is £2670 ish I am unemplyed (but waiting for last paycheck to come in) and then will apply for benfits while I seek work. Both the OC and Link answered a CCA request with a reconstituted copy plus a few variations from where the account was varied. Account was opened early 2000's no later than 2004 Am I right in saying as this is a pre 2007 that a reconstituted is required for enforcement? Also am I also right in saying that as they varied the contract they MUST provide a true copy of the original? The reasons for asking this is that I am wanting to build a case to allow a discounted F+F settlement Advice on how to proceed? Thanks peeps.

Hi All I am hoping that someone can help me. My husband and I purchased a new kitchen from Magnet, costing £5000, when we bought our first house back in 2004, which was on finance. We were not explained the details to the agreement in any way and were informed that the agreement was over 5 years. Once the agreement had been signed we received paperwork from First National Bank that the agreement was actually 10 years, we queried this as we weren't happy that we would have been paying back £10,000! We paid as normal (no missed payments) until my husband was taken seriously ill (cancer) in 2010. He lost his job and due to a technicality the serious illness cover did not pay out. I contacted GE Capital (previously First National) and made them aware of the situation and asked if they could freeze the interest so that we had a chance to pay it off - the payments I was proposing would not have even cleared the monthly interest. To cut a long story short, they said no, told me to stop paying altogether so that they could sell my debt in which case the interest could be frozen and this would be better for me. I did that, they sold the debt to Link Financial who did not freeze the interest and continued to charge interest, meaning my debt which had been reduced to £3,500 was now back up to £7,500! They also then said that my payments of £50 per month was not enough and that they were now going to get a Legal Charge against our property, (again added more fees) and that they would pursue for the full amount. I want to know if this is lawful, can I challenge the charge? Can I actually challenge the agreement? I feel we have been dealt with unfairly and they have acted very unkind especially given our hour of need. What can I do to resolve this matter? Any ideas would be greatly appreciated. Thank you in advance.

right then guys, where do i begin with these un-helpful people. My partner and i got into alot of debt about 7-8 years ago. We have 5 creditors at present and one of them being link financial. We have been in a so called debt management program for six years with (unfortunatly) spectrum financial services, although they are known with many different names. Our original plan was five years and our creditors will accept a reduced settlement for us to be debt free. The five years came and went and when i contacted spectrum to challenge them, they say there was never a five year plan between us, i disputed with them , but hey where do i stand eh ! I then told spectrum to go away and contacted stepchange who are now helping me free of charge to manage my debts. This management is to include paying my debts with s/o at the rate of £1 per month, all creditors have accepted this offer accept these idiots link financial, who are demanding a minimum of at least £5 a month, which they say is their policy (which i have read time and time again on these forums), unless i claim jsa and am not a homeowner, and then they will accept the £1 i have offered. The original debt is with GE money for double glazing that i was pressured into buying with safestyle uk, The amount was for £1000, during the time i was with spectrum this amount was the same until last year when all of a sudden they have increased the total amount we owe to more than £2000. After sending them a statement of affairs and offering £1 a month, they refuse to accept it and they demand more, which i am not prepared to accept. I am more than prepered to take these clowns on in a court of law, but i need your advice on what to do next,, with your help we can get one over on these money making [problem]s and put them to bed so who is prepared to help me all the way ? I can't do this without you, so please help yours sincerely

City Link customers are being urged to collect parcels from depots on Monday. The firm also said parcel depots would "remain open for a short period of time" to enable customers and intended recipients to collect their parcels. Sky saying one million parcels still at their depots. http://www.bbc.co.uk/news/business-30621884

Posting after a friend has sought advice from me. They owed a debt to HFO. No concerns re: PPI or unfair charges, and they were paying it off month by month at an acceptable (to them, and apparently HFO!) sum. They then were in a position to make a full and final offer (after a relative became aware and offered them a capital sum to clear it off, provided it was a full and final settlement, and HFO agreed to make their credit report as 'satisfied') The sum outstanding was in the region of £510, and they settled it with HFO on those (F&F/ marked as settled) terms for £175 in August of this year. They have received a letter from HFO noting it as a full and final (though, they haven't the letter to hand but can 'dig it out' if need be!, which I suspect they may have to). Lo and behold!, they have had a letter from Asset Link Capital (dated early December), that HFO have sold "the account" to Asset Link Capital (No 5) Ltd (ALC5), and that they (ALC5) have appointed Link Financial Outsourcing Ltd ("Link") to amange the account on their behalf. ALC5 are claiming a balance of £335-odd, which equates to the £510-odd less the £175. My friend has phoned (!) ALC5, and informed them that they made a F&F to HFO. ALC5 have told them "all the people you'd need to talk to are busy, but someone will call you back"! They have then let me know of events, and asked for advice. Beyond: A) DCA's lie B) stay off the phone to DCA's, are there any major issues / pointers I can pass on to them? 1) should they have been given a copy of any Deed / Notice of assignment? 2) I take it that once the F&F was accepted, as a full and final, that there was nothing to sell on to ALC5, and that referring ALC5 back to HFO is the way to go? 3) If ALC5 refuse to accept a F&F was made, what is the best way forward? a) Insist "in writing only'? b) Single letter back, stating events and denying any liability to ALC5? c) if ALC5 insist on trying to communicate : tell them "take it to court then, since no payment will be made, and you'll lose in court"?? d) how important / how urgent is it to dig out that letter from HFO (unless it goes to court, where it would no doubt be key, and fatal to any case by ALC5!). Is there any comeback on HFO, or will they claim "admin error" (as usual). Is it worth them SAR'ing either / both of ALC5 or HFO?. Thanks, BazzaS

I got into quite a bit of financial trouble some years back and, through hard work and kindness from my family, managed to climb out of most of it. Unfortunately, MBNA were one of my creditors and they weren't at all helpful in resolving my problems. To cut a long story short, I paid off pretty much all of my debts apart from MBNA who were receiving a minimum payment each month (and I was watching the debt reduce by maybe 5% of the minimum payment). I had a 20% pay cut and something had to give - MBNA were it. I rang them and explained what had happened and asked for help; they refused to give me any. Eventually, I didn't have any choice but to stop paying them. I'm now back on full pay, but before that happened, I received a letter from Link Financial Outsourcing telling me the debt had been passed to them for collection - all £8,000 of it. Fair enough, my own fault. I rang them and asked the guy I spoke to if I could set up a repayment plan. I racked up the debt, I expect to have to pay it back. Somewhat unbelievably to me, he refused. When I asked why, he said they like to give people time to try and arrange a full and final payment. I told him that wasn't going to be possible and that I'd like to set up a repayment plan. He refused again, again citing that I should be able to raise the funds. In three weeks. I asked how he expected me to do that and he said I could probably get it from family and friends. I told him I wasn't going to do that, couldn't do that. He said I'd have to try. I accused him of being less than helpful and he said he'd been very helpful and very reasonable - after all, he'd offered to reduce the final payment amount to £6000 and given me a month to raise it. Then he terminated the call. They called me a few more times to see if I'd raised anything. Each time I spoke to them, I asked them if I could set up a repayment plan as it wasn't going to be possible for me to raise such an amount in such a short time. They refused each time. At one point, I asked why I couldn't pay them back over time.. . I was told that because I was a home-owner, they wouldn't accept a repayment plan, they'd just take me to court. I asked what they hoped to achieve from that, and they said it was their company policy. This morning, I've received a Letter Before Action stating that court proceedings will now be issued against me by IDR Finance UK Limited (who?) without further notice. I'm pretty stressed about this and I really have no idea what to do. Please, please, help! I am not trying to weasel out of the debt - as I said, I made mistakes and I admit I owe money and I want to pay it off; but there's just no way I can pay £8000 (or even £6000) in one go. I'm terrified that they'll take me to court and somehow find a way to take my house. I don't know if that's possible, but it keeps me awake at night. I have a wife and three young children and times are tight. All I want to do is to come to some agreement with them and start paying them off! If anyone has any advice on what I should do, I'd be very grateful. Thanks for reading.

I have had the experience from hell over the last week and a half in trying to get an electrical item delivered which i sold on ebay. Things started going wrong from the off, booked courier through myparceldelivery.com, which was city link, took a day off work to wait at my fathers address for the pickup the idea being easier to collect from my fathers address no stairs etc and 30kg item. They didnt turn up , spoke to myparcel live chat who apologised said driver turned up and spoke to me and i had arranged alternative transport lol. (at this point i must have been mad to continue).live chat man continued to say they could arrange alternative pickup in 2 days from ups which i declined, instead my father kindly drove the oven to the nearest depot, since this point there have been 5 failed deliveries to the receiver the last being where the receiver was told the package had been badly damaged, he said he would still like to check if they could redeliver, he was expecting delivery the next day, of course they didnt turn up. I rang myparcel to find out what was going on, same live chat man said he would call me the next day when he had contacted the delivery depot to find out what was happening. 5 oclock the next day nothing heard so i ring him, to be told they still havent got back to him ' extremely unusual for them not to respondl' bla bla bla, at this point i just want my oven back wherever it is and it is friday 5.30, i somehow get through the automated city link customer service line to speak to someone after half an hour, she said from her records item damaged delivery to be returned to me etc, she said she would ring the depot to find out what damage was at my request, after 10 minutes or so it turns out they cant find it in their storeroom ! so it is down as lost. i would be very thankful for some advice on how i should proceed, i sold it for 500 pounds, didnt insure it etc, am i likely to be compensated if it turns up damaged or it is actually lost? myparceldelivery should be ringing me tomorrow but probably wont

Hi there, I sent a CCA request to Link financial on my pay plan DMP back in December 2013. Their first response received last week - three months later! Though, I live abroad and it takes a good month for mail to arrive. Their letter was dated 25 Feb. It does not quote anywhere how much I owe them, nor does it make mention of my CCA request. It simply states that I have missed payments, and the repayment plan has been cancelled (i.e., off of the payplan DMP) They ask me if there has been a change in my personal circumstances, and then threaten that they will recover the debt "if needed, pursue you through your local county court" Next steps, anyone? Thanks!

Hello Hope this is in the right place. Attached is the letter i have received as i have had a maor stumbling blovk with selling the house as they wont complete whilst this is still on? Is it too late for them to enforce the charging restriction being from 2006 or am i liable to pay this form the profits from the sale if i agree? Thanks in advance Michael

The FCA sent me this link so I can check on what DCA is what and if they have any complaints and much more hope it is of help to anyone http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew Or this one http://www.fsa.gov.uk/register/firmSearchForm.do MM