Hi, this is my first post on here. I have 5 student loans taken out 1994-99. I have never earned enough to make repayments and deferred each year (usually with lots of hassle and documents being lost by SLC etc). Then I had to start dealing with Thesis Servicing. In 2010 (I think) I made a decision to voluntarily make repayments on my loan, phoned Thesis and set it up - or so I thought. 9 months or so later, I got a letter followed by a phonecall to say I was in arrears and had to pay. I contacted them and disputed it and was told they had taken down the wrong bank account details but they would only wipe 3 months of arrears. I argued with them as it was a voluntary payment and I still wasn't earning the threshold. I took to ignoring their calls and letters or on the odd occasion when I did speak to them, I reiterated that it was their cock up that had caused the arrears and I would not be held accountable. I have not received a deferment letter from them since I first arranged to make a payment. Last week I received a letter from them stating that I had defaulted on my loan. Today I received a letter from Link Financial demanding full repayment of £7,413.20. Where do I go from here? I'm adamant I should not be liable for this debt until I am financially in a position to repay it. Thanks in advance for any help Jo

I took a top up student loan in the last year of grants/first year of phasing in of student loans. Due to not earning enough through my early employment career, I deferred, and deferred, made the odd payment here and there. I was made redundant in 2005 and was unemployed for nearly 2 years, during which I had a lot of debt sorted out through the CAB. SLC didn't agree to any arrangement. Fast forward to December 2012/January 2013 and I get a letter from Link Financial, unfortunately I haven't got a copy of this, but they definitely passed themselves off as acting officially on behalf of SLC. Not wanting to be falling in to debt problems again - and particularly with a government endorsed organisation - I phoned Link Financial, initially demanding that the debt be handed back to the SLC, eventually coming to a £50/month payment arrangement with Link, which is taken via a debit card. I have obviously now learned that Link are, shall we say, somewhat of a rogue outfit, who resurrect bad debts to fill their own coffers. Is there anything I can do now that I have actually made an arrangement with them? I just received an arrears letter today which triggered research that lead me to this forum, and a while ago I received a similar arrears letter, which was a bit scary as I hadn't missed a payment, tried to call them on their 0843 (or similar) and put in their queueing system for 45 minutes, and hung up before I spoke to anyone.

Hello everyone, This is my first post so you will have to excuse me if I miss anything out which I should have written. Back in 2009 at the young age of 21 I took out vehicle finance through Santander Vehicle Finance. I set up the initial payments but defaulted twice, as I had foolishly set the payment dates to part-way through the month. As I had moved from my family home address to another part of England, I had not received any notification of default (granted, it was my fault for not updating the company with my new details or checking back with my parents at the time). I subsequently received a telephone call and correspondence from a baliff/debt collector (unsure as to which) who stated that Santander had ordered the vehicle to be repossessed. I informed them that I was unaware of the default and would happily pay the outstanding amount, but this was rejected and my vehicle was subsequently repossessed. Since then, I was contacted by Link Financial who informed me that Santander had sold the debt to them. I have now been told that I must pay the outstanding £3,000 of the debt off to Link. My question being, am I legally bound to pay this debt, seeing as I only had use of the vehicle for around three months before it was repossessed. It seems rather excessive to pay of such a large amount of money 'for nothing'. I have been making regular payments of £75 to Link, and previously made higher payments of £150 - 180 to try and clear this debt quicker. Do I have to pay Link, and if not, am I eligible to claim back any of the money I have paid to them thus far?? Thanks in advance!

In another thread there appears the following statement regarding CCA agreement defaults: "You have not replied to this request within the statutory period and therefore, under s78(6) of the Act, you may not enforce any agreement you may suppose to exist between us. That means, you may not 1) request payment on the account 2) add any charges or interest to the account 3) communicate any details regarding the account to any third parties. This inludes but is not limited to Credit Reference Agencies." Is item 3 really true? I have a dispute with Link over an invalidly assigned MBNA debt, which has been in default for several years due to Link persistently failing to send the Consumer Credit Agreement. They eventually sent me somebody else's CCA and I have reported this to the Information Commissioner. So it remains in default. They have continued to supply adverse data to Equifax and Experian, probably CallCredit too. If item 3 above is correct, how can I get the information deleted please? I already have a Notice of Dispute filed with both main CRAs, who said (when I first mentioned the situation) that they cannot remove it without Link's agreement. TIA

hi all, i defaulted the credit card account with MBNA august 2011 due to financial difficulties, mbna has increased the interest rate form 15.9% to 35%, at some point my minimum payment was less than the finance charges then double my minimum payment so i stopped paying them informing them of my situation. The account was sold to LINK FINANCIAL. i received a county court claim from LINK FINACIAL PARTICULAR OF CLAIM: The claimant claims the whole of the outstanding balance due and payableunder an agreement referenced xxxxx and opened effective from 19/xx/2005. The agreement is regulated by the CCA 1974, was signed by the defendant and from which the credit was extended to the deendant. The deendent failed to make payment as required and by 19/02/2012 a default was recorded. As at 27/04/2012 the defendant owed MBNA europe bank ltdthe sum of 6xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to the claimant effective from 27/04/2012 and made regular upon the claimant serving a notice of assignment upon the defendant shortly thereafter. And the claimant claims : - 6xxx.xx . I nterest pursuant to section 69 county court act (1984) at a rate of 8% per annum from 27/04/2012 to 07/08/2012 of 130.56 and thereafter at a dily rate of 1.36 to date of judgement or sooner payment. date 07/08/2012. CCA request to LINK : Agreement they sent is illegible signed by me. stamp dated a day earlier than the Particular Of Claim ABOVE. A signature in middle by Someone from MBNA. A PPI bOX in the agreement ticked : I wish to purchase the payment protection cover I understand i am puchasing the product ticked above and the terms related to the the product can be found at paragraph 1-16 of the agreement. No paragraph 1-16 exist in the agreement T&C. I believe it does fall on MULTIPLE AGREEMENT? Constant phone calls from LINKS followed. I wrote to them a letter putting the account in Dispute stressing that the amount in the claim is inaccurate due to unlawful charges and PPI and while i am claiming them back from MBNA and with the advice of CCCS i offer you a monthly payment of £45.00 as per my I&E. The response i got back by letter dated 24 july from LINK was: LINK FINANCIAL was not present at the inception of the loan and therefore did not provide any PPI on the account. nothing about my monthly payment offer. Next thing is the County Court Claim on 7/8/2012. I acknowleged the claim and am defending the whole claim and sent A cpr31.14 to link financial. MY ppi claim with MBNA has been upheld. MIS-SOLD PPI due to self employment. I believe that LINK has been unreasonable and they are breaching every OFT Regulations pre-action protocol included. Please any input and help will be be appreciated to formulate a defence.

Hi, I hope someone can give a little advice on this; I defaulted on a credit card (£1500) back in 2001, at which point link financial took over the account. I paid some monies up until April 2007. Fast forward to jan 2011 and I was sent an allocation questionnaire from Northampton court, with Link claiming £6400. I filed a defence, and the case was stayed. All went quiet until last month when I found out the stay was lifted, and I have filed another defence on the 18th of feb (failed to comply with my CCA 78/79 request). Now, if you notice the dates, this is due to be statute barred in around 4 weeks. My question is: if any hearing or trial date was to be set after the 6th anniversary of any payment I made to link, would this make the debt statute barred? Or is that irrelevant because court proceedings have already started against me? Any help would be fantastic - flam

Yes, it's them again. I have been assisting my Brother-in-law in managing some debts, which got "out-of-control" during a period of redundancy. Now, he had a debt with British Gas, which I assume was sold on to Link Financial - any paperwork, e.g. letters are unavailable. But, the debt is subject to a CCJ obtained by Link, which ordered payments of £40 a month, to clear the debt of £4,500+. Link have been kind enough to supply me with a copy of the court order and form N9A. And this is where my legal knowledge is lacking. I have two issues with this paperwork. First, the form N9A, defendant's submission was completed and signed by proxy. My brother-in-law hadn't seen it. Now, this may be considered acceptable practice. Secondly, the Court Order specified monthly payments of £40 "until the debt is repaid". Link have been adding interest at the rate of £60-70 per month, escalating the debt to some £7,000 now. I have written to the Court on these two points. On two occasions, they have refused to comment on the basis that they do not provide advice. Even though I did point out that I was just after a confirmation of their Court procedure and clarification of the Court Order that they made. I have now asked my MP to look at my issue and explain why a public servant is not helping a member of the public. I have also written to Link, advising them that I am looking at these two legal issues. In the meantime, I have offered Link a full and final settlement of £1,000. Link have already put a charge on my Brother-in-law's property, which I will ensure is cleared as part of this settlement process. Given these basic facts, I can see that I could have followed another path to tie Link down a bit further. But, is anyone able to provide advice about this CCJ procedure as I feel it may have been somewhat misinterpreted?

Hi again everyone. I'm in a position to make offers on two outstanding debts, one of approximately £10 k to TSB which I've been paying off at £50 a month since the court case (in which I defended myself and lost (quelle surprise)) back in 2009, the other to LINK who shafted me a couple of years back adding 3k onto my debt of approx 5k making it 8k of debt and I foolishly didn't get back to the court in time to object, so I've been paying LINK £10 a month since then. Both TSB and LINK have charges on our property which is why I'm keen to get these debts repaid first in priority to others, as our mortgage is interest only and only has 10 years to run and we need to remortgage and get an endowment and start paying it off, but can't remortgage until these charges are cleared from the property. So...how much should I offer TSB for their debt of 10k? I'm thinking of offering 2k. And how much should I offer LINK for their debt of 8K? I'm thinking of offering 1k. I know that different banks and CCCs have different reputations regarding what proportion of a debt they'll accept in an offer but don't know the details which is why I'm asking for help. Is my CAG buddy andyorch still here by any chance? (waves hello if you are!)

I've had Link pursuing a debt for a good 3 yrs. The debt is what one was First National, then GE Money, for some home improvements back in 1996. The original agreement was in joint names with my ex-wife, we split in 2005, sold the house. In the mayhem this debt left with a balance of £500. The original loan was very high interest and I've been considering a PPI check against it. Link have taken over the debt and have harrassed me for 3 years, inflated it to in excess of £1100. They go quiet for 6-7 months then start again, now threatening action through Elmwood Park. I dont think I've paid anything for over 6 years but cant be sure. They are only pursuing me, not my ex-wife (they never contacted her). Surely technically this is wrong? I have never received any correspondence saying the debt was assigned to these guys. Reading other threads I note Elmwood use CCJ's and Bailiffs which is worrying Is there claim invalid? - due to the nature of their harrassment I'd prefer to pay them nothing at all

Hello everyone, After a phone call from an "Investigator" to my wife, my address was confirmed. Im now receiving letters from Link who have been appointed by Thesis demanding payment in full for an outstanding SLC loan. The loan was taken out 97/98, and should be the old type, however sometime around 1999/2000 i received a CCJ (despite pleading that i had notified them of a change of address, therefore not received the deferment ) being young and broke I panicked and had been paying a monthly figure up until 2009 (I had to close my bank account from where I was sending the standing order). I very nearly called them to negotiate a settlement but after discovering this most fantastic forum, decided to ignored the 1st letter and see what happens next. I have stored the number they used to contact my wife with in my phone as DO NOT ANSWER and get the odd voicemail asking me to call urgently. I don't intend to speak with them. Is there anyway to find out what other numbers they use? so we are not caught off guard. Im expecting it to get worse. The next letter I received seems somehow less threatening, however states their intentions to not allow me to leave the account unpaid. They also note that they are aware that i maybe avoiding contact with them but they are sure that when I borrowed the money I had every intention to pay it back!? The next paragraph says something along the lines of-- If this dept has been registered with a Credit Reference Agency it will be held against my name.. I thought it had already been held against me after the 1st CCJ? The Last Paragraph says that they may place my details with the Asset Investigation Department to validate my personal data and pursue any action that may prove necessary to recover the balance. Am I in a position to continue ignoring them? Or should I start down the road of fighting back? after the way the SLC/Thesis and now Link have dealt with this matter, I have no intention whatsoever of parting with any more money for them! Hopefully, I've tried to be as concise as possible Yours Thankfully Soundman

Club La Costa is definitely a spoof. In December 2004 I declared Bankruptcy. I was discharged in November 2005. In the August of 2005, I went to Tenerife for a weeks holiday with my ex partner and we were accosted by Club La Costa in the street. Having been abroad many times I told my ex this was a massive con and to ignore them, but guess what... we ended up at one of Club La Costa's presentations where, after several hours of hard sell, my ex was convinced that this was his opportunity to sign up for years of luxurious holidays.... Needless to say I was not happy, but my ex was not someone to be argued with and the rep was clearly on his side... .I figured, no problem, as soon as they run a credit check I'll be off the hook. We even told the rep we did not own our own property and that I had recently been bankrupt and was yet to be discharged, he said this was not a problem and that he would tell us what to write... .which he did... ...He helped us make up a fictitious amount for the value of our 'property' and the outstanding mortgage. ..To be fair, I didn't imagine for one second it would get past the credit check and was so worn down by the combined pressure of the rep and my ex I would have signed anything to get out of there.. ...The problem was, it went straight through the credit check, despite me never having lived at my ex's address.. .. I was gobsmacked, but figured once we got home we would cancel. My ex however had other ideas.... reluctantly I began to pay the monthly fee on our trial membership... ..this would have been O.K except we took our first week in another Tenerife resort and the pressure sell really began in earnest... ..8 hours including a tour of other resorts and a nightmare day of listening to the rep tell us all about the benefits of a 'silver membership' If we redeeemed our trial membership it would 'only' cost another £10,000. ....As you can all probably guess, once again the documents were signed. ...once again I was hoping that a proper credit check would reveal my ,now discharged, bankruptcy ....No such luck..... Subsequently me and the ex went our separate ways.. ..I stopped the d/d to GE money.. ..Presumably the letters were going to my ex partner's address.. ..By chance, when checking into my own credit report, I discovered he had conveniently gone bankrupt a couple of years later.. ...Leaving me solely responsible for the GE money debt.... The letters started to arrive, then the phonecalls and 6 monthly statements.. ..I ignored them completely... .Then in November 2009 Link Financial became involved.. ..I was borwsing this site and decided to ask them for a copy of my original agreement. It cam within the prescribed time and suddenly this debt appeared on my credit report, which it hadn't until this point... ..Now the debt has been sold to Mackenzie Hall who bombard me with phonecall and text messages on a daily basis. I have not responded and have blocked them whenever they try with a new number.. ..They even have the ability to make a call using a local area code in a bid to get you to respond to them, I've become very wise and just block each new number.... I am really hoping the statute of limitations has passed, but I'm guessing because I sent Link financial a request for a copy of my original agreement (wth the covering letter from here) The clock was rest in 2009 and I will have to wait until November 2013 before the 6 years has passed and it will drop off my credit file. In tottal the debt is now around £26,000 with interest being added every month.. ...Any advice on what will happen if I continue to ignore it? I figure if Mac Hall have got it, its pretty much unrecoverable but would appreciate some feedback on this as they are known to be complete sharks and only buy unrecoverable debts. I am of the mind that, if this debt was enforceable then surely someone would have taken me to court by now???? AND, WOULDN'T AT LEAST HALF OF IT BE INCLUDED IN MY EX PARTNERS BANKRUPTCY????? Wish I had stuck to my guns at the outset and stood up to my violent and abusive ex. ...this has been a millstone around my neck for years and really would like to see an end to it.......

Hi I need help, I had a student loan in 1997, and was deferring until 2011 when I was made redundent and thought if I wasnt working I didnt have to defer anymore, thesis took hold of the loan, but I didnt make any payments, now link have rung saying no payment plan can be considered, I have 48 hrs to find the money, she told me to borrow it from family, which I cant as its £1800. Or I will be given a ccj and peopke will come to my house to take goods to the value of the amount owed. She told me to take legal advice. I'm scared, what do I do!!! Will people just turn up and come in my house??? Any help will be much appreciated she is ringing back today as 48 hrs is up!!! Gemmings.

Hi, not sure whether to post here or not so apologies if this is in the wrong section. About 3 years ago I used my two Barclaycards' to help finance a business. I know it was silly. but at the time it seemed a good idea! Sadly the business was defrauded leaving me with a Barclaycard debt of circa £30k. After a period of shock and anger (at the fraud) I tried to start again, sadly to no avail. I have since started a new business in an unrelated industry. Money is tight and I have virtually no income (genuinely) to speak of. I live in rented accommodation and have assets of circa £5k I have been passed through the debt corridor of Barclaycard and for the last eighteen (18) months or so my account has been with Link Financial. I have tried to pay £20 per account per month but for the last 12/13 months have struggled with this and have instead paid £10 per account per month. Even this paltry amount has been a struggle. In March I was sent a default notice for both accounts for the shortfall. I reluctantly paid the requested balance. I did tell them at the the time I couldn't afford the higher payment and would continue to pay £10 per account per month. The cycle has begun again I have been sent a default (last month) for one account for which I again, paid the shortfall (by again borrowing from a friend) and am expecting another any day. I spoke to IDR last month and asked realistically what could be done with the debt as it will take over a 100 years at the present rate of repayment to clear the debt. I requested a response in writing as I had written to them and am still awaiting a response. I am seeking a resolution to this issue. I have acknowledged the debt several times in writing. Both Barclaycard and myself are the victims in this though I fully acknowledge, it was my responsibility. However I don't want to be paying this for the rest of my life no matter how much Link Financial/IDR want me to. I don't want to go bankrupt, but will seriously consider it, if this is my only option. In a letter I wrote to Barclaycard back in late 2010 I offered £1 per week, per account. I upped the payments a little later as I could afford a higher payment. Through them cajoling me I kept the higher payment, even when I couldn't really afford it, until as I say above I reduced the payment to £10 per month, per account. I presume I could go down to this lower payment as I haven't had a response, but as I indicated I would rather get this matter resolved one way or another. Any help advice you can give will be greatly appreciated. If you need more info, please ask Kind Regards

Hello, my 1st post on here. Some time ago I was contacted by Link Financial regarding "debts" they had been given by MBNA in my name. This was regarding a couple of credit cards I'd had & after some rather unpleasant dealings, including constant phone calls & even one made to my place of work I relented & entered into a payment schedule. A couple of years or so later I was advised by a friend that I could go with the CCA route so I did. All I have received in reply to my requests have been photocopies of application forms & what I'm told are "reconstituted" agreements so I told them to go away & they have done 'til now. I have now received letters threatening doorstep collection & court action. I've seen this all before of course but I've been made aware that things have changed whereas Link not providing the original credit agreement is now not the defence it used to be. Will I now have to do business with these people? Thanks.

Hello. I'm new to CAG forum. I'm hoping someone can offer some advice. I've been living in New Zealand for some 12 years. I've recently received a letter from Link Financial Outsourcing via the Mauritius Postal Service, headed "Notice of Sum in Arrears" stating I have arrears on balance of over £10,000 and accruing £30 (give or take) interest monthly. The letter does not state what the debt is for, but I'm assuming it's a student loan from 1994-98 that I took out. I also think the size of the debt has been greatly inflated although I don't have any paper work to prove otherwise. I haven't received any other letters. I would have expected to have received some sort of notification, but since my address is partially incorrect, perhaps it never arrived. My brother in the UK recalls giving my address to a girl over the phone who claimed to be a long lost friend several months ago. This probably would account for the incorrect address that they are using. I am in a quandary on how I should proceed. I haven't yet called either Link or SLC as I'm worried that I would hastily agree something I would later regret. I'm also concerned that if they had my contact details here, they would be calling in the middle of the night. I am in full-time employment earning a modest wage, but we recently had a new baby and I am currently supporting my family as the sole income earner. £10,000 is roughly $20,000 and it's money I just don't have nor hope to have any time soon. I am considering making an offer for half the amount as I could just about scrape that together from the little savings that we have, or negotiate some sort of payment plan with either Link or the SLC. After reading about the cavalier attitude of Link here, I'm beginning to think this might be an unwise course of action. I haven't contacted or been contacted by the Student Loan Company, for at least 10 if not 12 years. Am I right in assuming that since more than 6 years has passed the debt is statute barred and no further action can be taken by Link? We are hoping to return to the UK at some point in the future and so would like to have this resolved. Any advice on a course of action would be greatly appreciated. Offending article attached. By the way, there was no page 2, just an Office for Fair Trade advice sheet... [ATTACH=CONFIG]46476[/ATTACH]

Hi everyone, hope you can give me some advice. To cut a long story short until a couple of months ago I was paying Churchwood Financial £80 to pay off a 4 credit card debt. I could not afford this as I am currently not working and my partner was kindly paying them from her part time wages. Upon speaking with the CAB I discovered I was eligible for a DRO(Debt Relief Order). I cancelled the account with Churchwood. Upon further chats I decided to use the self help pack and offer each creditor £1. Our disposable income was £7!. I sent each a very nice letter informing them that although I qualified for a DRO I would willingly pay them £1 a month until my circumstances change (which I hope they do, hence the reluctance to try a DRO). I sent the letter, complete with other creditors and amounts and also a budget sheet clearly showing out budget. The creditors were Cabot, Capital One, Moorcroft and Link Financial. Moorcroft have already agreed the amount. Cabot and Link have yet to respond, even though I know they got the letters on 28/08/2013 as I have a signed for receipt. Now the unusual thing. My father has recently gone into a nursing home so does not live at my former address. I also do not live there, as my brother and I are sorting things out there to sell the house for dad. I still check the post there every day. Last week there was a letter from Capital One saying they had passed over to Fredrickson International and I should deal with them. Well, I ignored it (my new address since August of last year was clearly stated on the letter to them on 28th August!). I went down again today and find a letter addressed to me again from Fredrickson International saying they want the full amount to avoid "further debt recovery". Now my question is, do I let them know I have the letters? (even though they are to the wrong address and Capital One have a letter with my new address on anyway!) and do I pay Moorcroft as they agreed, and contact the other two to find out if they want to continue?. Or do I just wait it out?. Would appreciate any help on this. Thanks very much Andy

Hi Can any one help. I had a default notice issued to me in about 2004 after I could not keep up payments on a credit card after a bad accident left me out of work. The dept was for an MBNA Credit Card and was passed to Link. I filled in expenditure forms and aggreed to pay a fixed amount each month The original debt was for about £5500 and I pay £30 a month. I have never heard from link since then. I contacted them last year to see who much was outstanding. I thought I might be able to ay it off. But it was more then I could afford. I have not missed a payment since the arangment date. I have just started receiving phone calls from them but am reluctant to discuss any thing with them having gone through all that before. I sold my house in the UK 8 years ago and they do not have any address for me. I have honered all my payment agreements with my creditors after the accident and link are the only ones left. How do you thing I should handle this.

Dear sir/madam, My husband and I had quite large debts with mbna, we choose (stupidly) to borrow on 0% credit cards instead of borrowing on a loan with a fixed rate and an end date. (we all live and learn). We ran into difficulties reducing the balance because the cards went form charging 0% - 29.9%, paying £700.00 per month and reducing balance by about £30.00 per month, you probably don't need me to tell you that we could not keep this up, we wrote to mbna who were quite helpful and put the accounts on 0% and reduced payments, we were paying £460.00 per month and made great strides in reducing the debt. Then out of the blue, we got a letter saying that the debt was being transfered. This is where the real troubles started. (by the way we have experienced cards being transfered before and nothing has changed with regards to paying). People have been ringing us night and day for huge amounts of money. Plus sending the odd letter. Now my husband has received a claim form for an CCJ. I have filled out the request for more time on moneyclaim site. I have been getting advise from payplan who are really saying we need an IVA. This is not what we want. Surely there is another way. We are in our late 40's and have always paid back what we have borrowed plus interest. Really don't know where to go with this? We have all the paperwork etc. hope someone can help or point us in the right direction? Many thanks for your time regards

Split out from http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts , addressing a group of debts. CCA letters sent to most, posting individual cases separately now as each progresses: ************** I have received a reply from Link Financial Outsourcing acknowledging my CCA request and stating that a copy of the Agreement and most recent T&Cs has been requested from the original holder of the debt, and that this can take up to 30 days. Whilst this appears to be a reasonable statement, does it actually alter matters as far as their obligation under s.77/78 is concerned? Do I allow them the extra time to take those external steps, or adhere to 12+2 days and send failure to comply letter if nothing has by then been provided?

I would appreciate some advice with regards to Link. I have been paying a debt they have taken on from Barclaycard for approx 18mths now. I have it set up on a standing order so I have full control on how much I pay. Over the last couple of weeks or so, I have been receiving 'withheld' calls on my home phone. I knew for well that it was more than likely them, so I never answer them, if they want to leave a message on the answer machine (which they don't) they are more than welcome, but I still will not call them. Saying that they have left 2 messages in the last week asking me to call them, and they even phoned me at work last week. I had no choice but to speak to them on that occasion, but I told them in no uncertain terms that are not to phone me and all communication has to be written. She said she would remove the numbers they have (yeah we'll see) and would write to me. I received a letter from them yesterday and it's basically saying that even though I have been making payments on my account which has reduced the outstanding balance (really, I never realised that was what happened lol), my account is now due for a review. So can I complete the I&E, and send it along with the next instalment (which is a bit difficult as it's a standing order). It goes on to say that 'If you do not compete the review we reserve the right to request the immediate repayment of the outstanding balance' Now I have never completed an I&E for any creditors - and I am not going to send them one now. However, do I need to acknowledge this letter and if so what should I write? or shall I ignore it and just carry on making payments as I have been for the past 18mths, as I am not in a position to increase these anyway. Many thanks in advance.

Hi All, This is my story I hope you can help. I signed for an MBNA credit card 6 years ago with a £6000 credit limit and 0% interest - this quickly changed and they increased the limit to £7600 and they kept increasing the interest rate beyond my means. I lost my job which put the repayments beyond my reach. I tried to sort this however i defaulted on the debt at the end of last year. I wrote to MBNA explaining my situation and thought they would give me sometime to sort my fiancial situation. I thought wrong! In March this year i was contacted by Link Financial Outsourcing acting on behalf of IDR Finance UK Ltd. This company was demanding the full amount owed (Nearly £9000). The phone calls became more threating and I advised them I didn't have the money and I would only communicate with the by means of letters. I wrote to them at the end of March with the template on this website asking for a copy of the signed agreement. They failed to deliver the signed agreement until the end of May. I wrote to Link and put the account in dispute on the grounds that I was not satisfied that they where the legal holders of the account and I stated that i would write to them again when I had received confirmation from MBNA. I received another letter back from Link at the start of July with a lot of legal jargon which said they didn't have to prove themselves any further. I chose to ignore this as I had no word back from MBNA as to their position on the title of the debt. Link have been phoning my home number and leaving messages which I have ignored because I told them I would on communicate by writting with them. However, I got a message yesterday to say I had to reply within 3 Days which I am quite worried about. I was going to wite to them again maintaining my "In Dispute" stance and write to MBNA asking again what their postion is. Can anyone help. Many Thanks in advance. I live in Scotland if that makes any difference.

Morning all, I've had a letter from Link regarding an MBNA debt (who I am in the process of taking to court as over half of the amount owing is unlawful charges and interest gained because of them) saying that unless I contact them in 7 days they will instruct Instant Silver (whom I'm sure have about as much power as instant coffee) to take over management of the account. I've had a little look around the site and it seems that I.S are link in a different frock, but everything I've found has been over a year old - does anybody know if this is this still the case? I am not sure what I should do? I am thinking to ignore and see what I.S write with or should I write to Link informing them that I am taking MBNA to court? Any advice appreciated. Up2

Hello, I hope someone can offer me some advice. I had a 10 year loan through GE money to pay for double glazing windows on a previous address. I had only two years to go with the loan, about £1700, when we moved to Scotland. On moving, we paid most of our loans off and I changed bank. I did not pay off the GE money loan and I overlooked the direct debit when we moved banks. I was unaware that we were now missing payments and GE Money sent letters to my old address and then a default letter, which I obviously never got. A credit check search highlighted the problem, I phoned GE money to explain and they advised me the loan had been sold to Link Financial. I spoke with Link and they told me the loan was now £3,845 because of charges added. They told me the default on my credit file will be lifted on full payment and offered a reduced amount to clear it. I was unable to make any sort of reduced payment and agreed a monthly payment plan of £110. I asked that they send me details of the loan and charges but they never appeared. They call every six months to try and clear the amount with a reduced figure of what I owe, which does not sound right. My job requires me to be vetted and the default causes me difficulty every year. When GE money sell the loan, do the charges get sold too? How can I make them send me details of the loan sold to them and the charges. Steve

Thanks for reading! Briefly: - I developed serious chronic incurable illness over last few years and got deep into unsecured debt on various - I acquired 5 figure balances on 3 MBNA cards - haven't used the cards for years - got to stage where couldn't make payments - cards originally taken out during 1996 - 1998 - LINK taken over 2 of the three cards from MBNA - CCA requests sent to MBNA (1 card) and Link (2 cards) on 22/05/13 -re 1 card: Link reply 30/5/13 saying IDR FINANCE UK purchased debt from MBNA EUROPE in August 2012 and have requested copy documentation. - re other 2 cards - no response from link or MBNA - the claimed amounts do appear on my credit file Questions: 1. Will MBNA e documents going back to 1996 -1998? 2. Is there any point in sending a SAR to either MBNA OR LINK? 3. Would it be best to let sleeping dogs lie re charges etc whilst they can't enforce? 4. Should I chase link and MBNA re 2 cards where no response to CCA REQUEST. 5. CCA request was to MBNA EUROPE, but I think that company is now called MBNA BANK. Should I make a new CCA REQUEST using. tthe correct compsny name just to be certain? Many thanks in advance.

Hi - could someone direct me to get help with charging order against my home please - need help asap