Hi, my oh has two accounts with LINK , i have been a reader of the forum i did a CCA for both accounts . I was supplied with a copy of the CCA and in my mind they may be unenforceable through reading other threads. Therefore i sent them the write off letter i found on a thread here and stated that they had not supplied me with the relevant information adn requested they both wrote off the debt and that i would receive a reply in 14 days. That was 6 weeks ago and no reply despite the recorded letters having been signed for. At this stage is there a next move i should make , currently i pay them £1 pcm Many Thanks

Hi, I have an on going dispute with Link Financial. Link say they assigned the debt from GE Money Home Lending but have to date not shown any proof of assignment. They have however provided me with a copy of the Application form and a copy of the CCA from GE Money Home Lending. The main problem I have with Link is that they are recording adverse data at the CRA's yet the CCA and conditions do not allow for any recording at CRA's. Link have today written to me and said that the application form states that they can report to the CRA's yet this document does not form part of the CCA and is not headed "Regulated by the Consumer Credit Act 1974". The CCA is signed by both parties and the Apllciation is only signed be me. My question is can Link Financial assuming they have a valid assignment record any data at credit reference agencies. I would appreciate any help you can give.

Hi, I'm sorry if this has been asked and answered before, but I've had a good scout through the masses of Link/SLC threads and although helpful, I can't find the answer to my situation so thought I'd just ask... I have a student loan taken out in 1995, which I had always deferred until my last deferrment in 2006 (I have the letter advising I need to defer before October 2007 to continue not having to pay). I heard nothing from them until June last year when I got a random letter which advised that Link now had the debt and they wanted it all in 21 days. I spoke to some nasty piece of work on the phone a few days later to advise I couldn't pay, and then wrote to the company to complain as the woman had tried to advise me to take out a credit card or loan to pay off the debt, and I knew that was illegal. I acknowledged the debt in writing at that point (dammit) and I'm pretty sure that I was just under the 6 years SB limit, meaning that I'm now liable. I have checked my credit file (thanks for the link to Noddle!) and there's nothing on there, I've never made any payments at all. I did make an offer to pay £30 a month but they refused that and said I could pay £120 a month instead as they thought that was 'fair'! I refused and upped my offer to £50 per month but they're still saying no. I just want to make sure that yes, it isn't SB'd so I am liable, and I'd like some advice on how I can get them to accept what I'm offering. I might be able to make a full & final settlement but have no idea how to work out what they're likely to accept. What I really need is someone to give me some sensible advice and clarity on this - especially as they're such devious ****s, before their incessant calls (which I now ignore!), letters and emails drive me mad! Sorry to ramble, and thanks so much for any help you can give, it really is appreciated

I hope someone can help. Mbna sold my husbands debt to Link Financial Outsourcing. They brought the debt after MBNA had sent a default notice after missing payments . The last payment to mbna was in may 2012. Link recently called asking to discuss account as it is in my husbands name (as took me off account about a year ago ) my husband sent an email saying that he gave me full authorisation to dicuss account with them. When they called me back on my mobile they asked for the full amount of £4***. I explained that we didnt have that kind of money so he promptly said we will accept £3***. I then said i cannot get that amount either so what happens. The advisor then said how much could i pay and i told him i could pay £600 then arrange for a montly payment to them by direct debit if thats what they wanted. He said because mbna had served a default noticed and payments were missed couldn't accept our offer The advisor then came back and said that he would need to know what our income and outgoings were. He called me back the next day and i told him what our earnings were and mortage ,other loans etc were. He also asked what our mortage was and what was outstanding and how much house was worth, t hey couldnt accept that and should over the weekend try and get the money either from friends or maybe ask our mortage company. We have no way of getting the extra money only £600. I explained to him that we just want to pay the £600 then a monthly payment as do no want any court action! The advisor said he would call back after the weekend to see what i could get he called my mobile yesterday but i ignored it as i do not know what to do . Can anyone help or has anuyone been in the same stituation

Hi, im getting trouble from Link Financial, from a debt from 8 years ago. didnt no what it was, so sent a CCA request, come back, its from a double glazing company, Coldseal. I dont no if this company is still operating. At the time i had a break up with my then partner so my mind wasn't very clear, and to be honest i dont even remember if we went ahead with the finance. I have not paid link or as far as i no, coldeal a penny, as this so called debt is over 6 years, is the staute barred. What should my next step be? thanks for any help that follows

I sent a CCA and was given a recon with no name; no address; no T&C's; no interest rate - nothing. I challenged it and this is the response - verbatim - which I received this afternoon - any help would be appreciated cos I am fuming! Also - thier figures do not add up - they say we owe them 1,800 but when I went through the statement they sent me they had missed off TWO years of payments at least! We actually owe them just over 1k. letter from them - "Further to my letter f 1 November 2012. I have now investigated your complaint fully and in line with our Complaints Proceedure. I am in a position to provide you with a final response. Our investigation has highlighted that we do not uphold your complaint. To enable you to understand the reasons for this decision, I would like to take you through the facts of the investigations and share the conclusions with you. Our Investigation On the 24 October 2012 we responded to your request for a copy of your loan agreement. In compliance with your request pursuant to Section 77 of the CCA we enclosed a reconstituted copy of the executed Credit Agreement and a statement of account. In accordance with the Consumer Credit Act 1974 it is acceptable to supply you with a reconstituted copy as the creditor or owner may not have preserved a copy of the executed agreement. The requirement allows us not to provide an exact copy, a carbon photocopy or microfiche copy and we can therefore provide a reconstituted copy. Our Findings We are confident that all our agreements are properly executed and not open to challenge. Even if, which is denied, the agreement is improperly executed then all requisite Schedule 6 information is included sufficient to allow the court to permit enforcement. You must take whatever action you conside necessary, however, we will not be releasing you from any obligation. Furthermore, a request made under section 77 of the Consumer Credit Act is not a provision to remove liability and if you believe that the above agreement was not entered into by you and therefore believe fraud to have take place, you should report this to your local police station. The current balance is £1813.43 which remains outstanding. If however you are experiencing financial difficulties please contact our office so that we may discuss mutually agreed repayment proposals. Please note that, under the terms of our Complaints Proceedure, this is our final response. If you are dissatisfied with it, you may refer your complaint to the Financial Ombudsman Service. You need to do this within 6 months from the date of this letter. For more information please read the enclosed guide 'Your Complaint and the Ombudsman'. The address of the Financial Ombudsman Service is: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E12 9SR I also enclose a copy of our internal Compliants Proceedure for your information. Once again, we are sorry for the inconvenience we caused you and hope you will find that the points above offer a fair resolution.

Hi I hope somebody can help me. I have a debt of c £2,700 which I presume Link bought from MBNA. I have been paying £15 per month for over 10 years and they have now all of a sudden started telephoning me. I dont know how they have my number as it is ex directory and in a different name to the debt. I no longer work and am disabled and really cannot afford the £15 but keep paying just to try to pay the debt off. I owe over £30k in total as I had to give up work due to ill health and I have two very small children also. I have MS and this is making me ill with worry. Please can somebody help and give me some advice. I have sent the letter asking them to confirm that they own the debt but I am now frightened to answer the phone in case its them. Help help help please. Thank you Charlie Do you think I would be better declaring bankruptcy?

Hi, i have recently sent my CCA and SAR to link financial enclosing my postal orders off £10 + £1. They have replied back to my SAR with alot of info with telephone calls logs, Payplan correspondence, CCJ which they registered against my property relating to the credit card default. They have not responded to my CCA or acknowledged it. Also They have charged £10 to my account even though i sent a postal order to cover costs. Is there any docuemntation you would like me to post, so yo can check details. What would be my next step? [ATTACH=CONFIG]40993[/ATTACH]

Some good advice. If you get a parking ticket relating to a company called Linkparking Mangement, DO NOT PAY IT. A friend of mine was clamped back in September and despite letter writing, phonecalls and even a County Court claim against them has not received any response from them. Their appeals process is a spoof with messages like 'Due to a computer error we have lost all appeals for the last 14 days, please re send'. The ticket will only give you a choice of paying by Paypal, not credit card, as these guys realy don't want to be found! Link parking Managements listed address is a car breakers. Nothing to do with Link parking Ltd which is in an indutrial unit where a different company is based (In Somerset) The phone number ususlly goes straight to an answerphone but on the rare occasions it has been answered ,the guy claimed to be just an answering service. She has now made a complaint through companies house to see if that gets her anywhere. Do not pay these guys, they are a rogue trader just trying to [problem] an easy buck off of unsuspecting victims!

Quick query , sent cca request to Link , got a reply saying they don't always hold this documentation and have requested a copy of the agreement from MBNA and to be advised can take up to 30 days so can they bypass the 12+2 rule in this way? Also MBNA sent me a default notice in May then received another this month for same account also exact same letter , then another letter saying latest one sent out by mistake , have they done anything wrong here? Any advice appreciated , thanks.

As ridiculous as this sounds - I think it's true. I'll try to be brief - basically I had a parcel to send to an associate (someone I only know through Facebook and a group I am a member of). I arranged through Parcel Monkey for the parcel to be collected from my home on the 28th November by City Link and delivered down to Kent the next day. I had to go out of the house for a few hours on the 28th and, typically, the driver came while I was out. He left a card saying 'parcel collected' in my postbox. I thought this was a courtesy card to let me know he had been and gone, as the parcel was in my kitchen so unavailable for collection. I assumed I would have to pay again for the collection of the parcel as I had missed my slot. When I contacted City link to rearrange collection they told me they had attempted to deliver the parcel that morning (the 29th) but had been unsuccessful. "I'm fairly confident that that is not my parcel, as my parcel is still on the kitchen side" I told them. "Oh dear, I'll try to get hold of the driver and try and find out what is going on, I'll call back and let you know" they said. I called back the next day to be told the parcel had been delivered that morning (the 30th) - I then them that wasn't the correct parcel, and that I needed them to collect the right parcel and deliver it be the weekend as it was time critical - I was told someone would collect and deliver the next day before 12. This didn't happen. During this time I had contacted the lady due to receive the parcel to see if she had indeed received a parcel she wasn't expecting. I also contacted Next because I was expecting the delivery of a mirror and it was showing as delivered online but I didn't have it. (Can you see where this is going...?) The lady replied to say that she had received a mirror from Next. So, it turns out that the City Link driver came to my house while I was out, saw a brown box outside the door and decided to take this for delivery, even thought it was not marked as delivery to Kent, but was in fact marked for delivery to me at my house - hence that being where it was. In what I can only assume an attempt to be helpful, he created a label back at the depot and sent my mirror on it's merry way. This mirror is worth £110 by the way (who knows why the other delivery driver left an expensive parcel without a signature but that's another story). Anyway, they came to pick up the correct parcel once I informed them of the situation but said they would keep the correct parcel ransom until the mirror had been collected. Both parcels have now gone missing and City Link are telling me to raise it with Parcel Monkey. I accept the correct missing parcel is to be raised with Parcel Monkey, as it was insured, however what to do about the missing mirror which has been stolen from outside my house. I have written confirmation that it was delivered from the lady who received the mirror but now I don't know what to do. Surely the fact they have been unable to retrieve the mirror is nothing to do with me? The only thing I can think is to report it to the police but that seems a bit extreme to me. Any advice would be appreciated. Thanks.

Can someone give me some direction on Barclaycard debt, cant keep up with minimum payments. How is this going to pan out. How shall approach this, shall i negotiate with them and offer to pay by instalments. Thanking you in advance.

Hi. I have received a court claim from Link, for an old MBNA account. Ages ago I asked to see a copy of my credit agreement etc and they sent me, after months of waiting, a crappy photocopy of something which says credit agreement on it. They also sent me a letter stating they are charging me £102 for litigation fees, which they are required to do by law. I guess as they have 'proved' the debt then I would be wasting my time trying to argue with them?

FAO The Brig I am having a small prob with the above, After yet another call from these muppets, they seem to be chasing a SB debt They have been told that it is SB'D, they then claimed a 'Payment was made', as per a template letter from here requesting detail's, they have not responded, having just checked all 3 CRA'S the alleged debt does not appear !!!! Can I safely ignore from now on ? Many thanks Anon55

I've recieved a letter from Link Financial Outsourcing Limited (hereafter LFO) who now state that 'Link Financial' own an alleged debt from MBNA from 2006 for £5900.00 and that LFO have been instructed to attempt collection. My research this far has suggested that LFO seem to collect on debts which are pretty much uncollectable and without paperwork. Would this seem a fair analysis? I'm just going to wait for something more concrete before responding as I think this is just a stab in the dark for them,

Hi all I am new to this forum, so I apologise if this is in the wrong place. I am after some help/advice if anyone can please help me. Back ground to my problem In 2005 I joined a debt Mangement company to help with my debts as I was struggling to pay them, this was quickly sorted out and I was paying £400 to 5 companies I owed money too. 2 credit cards, 2 unsecured loans and a store card. No further problems with this and I continued to pay till 2009. In 2009, a rather bad run of luck left me in a financial mess, firstly my long term partner left me (out of the blue), then 4 weeks later I lost my job, then a few weeks later I found out I was pregnant. In May 2009, I packed up all my belongings and went back to my Parents, and I never paid to these debts again from this point. I never intended to ignore them long term but it was the least of my worries at the time. Up until week, I have not heard from any of them, but last week taken completely off guard, I received a call from Link Financial who conned me into confirming my identity. (they told me they had some mail for me and could I confirm my name and previous address, which I did, stupid maybe?) I received a letter from them a few days later, I knew who it was from, as I checked the return address on the envelope, so I sent it back, as "not known at this address". Silly thing to do but I guess it was panic. I have re-built my life from the mess I was in in 2009, and now have a part time job working 16 hours a week, I am not financially well off and struggle to pay my bills but I get by. I cant see a way that I can pay much more than a few pounds to re pay this debt, and I have no savings to even consider bankcrupcy. Please help, what is my best action to take here??? Also, I will add its only Link financial that are in contact with me for 1 credit card. Many thanks in advance

im looking for some advice. mbna have sold my debt to link financial outsourcing (had the letter) i have also received a phone call to say they want full payment (its £10,000.00) they were asking me allsorts of questions regarding income total debts who i owe what i pay nothing about household bills and stuff just towards debts. i said i didnt know off hand and could he call back, well he'll be phoning tomorrow, reading some of the threads i can see that i can say i dont want to speak to them but can i have everything in writing, but i see that my next port of call is to ask them for a copy of a CCA or something could somebody tell me what exactly this is and how i can put it together is it a longwinded thing thing or a simple request? thanks nigel

Hi from a newbie! I having been paying my 1991-94 student loans back from 2002 when I had CCJ against me. I had failed to inform of a new address and it got sent to court. Since then I have been paying back £5 a month due to to a low income. A few years ago I noticed I had been sold over to Link who have been charging me monthly interest - double my payment fee. (10 years of payment for nothing!) I am still on a v. low income and they now want to me to pay more. Since reading up on them I realise I dont want to pay anymore. What are my options? - Do the loans become void after 25 years? - Can I ignore them (I'm not going to talk on the phone again for sure now!) - Is a 2002 CCJ enforcable if I stop paying the £5/month (which I have now) with thanks

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

Hi all, I'm new to the CAG and also forums in general, so please bear with me! I've been finding a lot of useful information over numerous threads, but was wondering if anyone could offer any case specific advice. In early 2011 I fell into arrears on an MBNA credit card after they increased interest rates, meaning that the minimum monthly payment nearly doubled. Due to personal circumstances I was unable to meet the new monthly payments and continued to pay £75 per month, as previously. However, I contacted MBNA and provided them with details of my income and expenditures. They agreed a reduced payment plan with me of £35 per month, which I paid faithfully. In April 2012, I received a letter on IDR Finance headed paper, advising that they were giving notice that the debt to MBNA had been assigned to Link Financial Outsourcing Limited on 29 March 2012 and that on the same date, Link had assigned the benefit of the debt to IDR Financ UK Limited. The letter states that as a result of the assignment the debt was now owed to IDR and Link were acting as servicer for the debt. The letter advises that any payments should be made to Link at the PO Box shown above (no PO Box details were actually given) and that no further payments should be made to MBNA. I was therefore left with no choice but to contact them by telephone. I spoke with one of their 'advisors' and said that I wanted their bank details so that I could continue to make the £35 a month payments, as had been agreed with MBNA. I was told that they were not prepared to accept such a payment and they were seeking recovery of the full amount. I told him I was not in a position to pay the full amount, otherwise I would have cleared the debt directly with MBNA. He then went on to suggest that I take out a loan to pay the amount, or perhaps sell my house. I was disgusted with the careless and frankly irresponsible 'advice' he was giving and told him I would only be in a position to pay on a reduced payment plan. He said he would knock 20% off the debt then and there and I repeated that I still was not in a position to pay. He said he would put a hold on the account for 7 days and asked me to ring him back to discuss my 'circumstances'. I researched Link and decided it would be prudent to only communicate with them via written correspondence. I therefore wrote to them on 25 May, making an ex gratia offer and also advising that I would only be prepared to deal with the matter via written correspondece. I also advised that my partner had been ill health retired and that I was due to go on maternity leave in August, which would mean a further reduction in income. I have therefore been engaged in written negotiations with them, with offers on both sides being made for settlement sums. I continued to receive telephone calls to both my mobile and work number from the advisor I orignally spoke to. I eventually had to write a letter of complaint as despite written requests on 3 different occasions for the phone calls to cease, he then rang through to main reception number at my place of work, which my boss was not best pleased with. The phone calls finally stopped. They made a counter offer in writing in early August and before I had time to respond, I received an lba from them at the end of August. I immediately wrote to them advising that I thought the LBA was unnecessary and also it advised they were seeking payment of the full amount, yet they had already told me they would accept a reduced amount. I advised them that I am due to give birth in the next couple of weeks (now within a matter of days) and that I have also been made redundant, so I made a final ex gratia offer and said if they were unable to accept that, I would only be able to pay them £10 a month at the moment, which would begin to pay in October if I heard nothing further from them. I have now received court papers from Northampton county court and IDR Finance have issued against me for the full amount, plus the issue fee and interest. My question is, if we were in the middle of written negotiations, how can they suddenly decide to issue proceedings for the full amount? This is a blatant waste of the Court's time and incurs unecessary costs. Is my best course of action to defend the claim in full? Any help / advice is much appreciated. As with everyone else experiencing the ups and downs of life and struggling with debt, this is one thing I could do without at the moment!

Hey everyone I'm new to this site, I just had a 4k debt letter land at an old address this debt is from july 2007 and I'm out of work.. . I have emailed link asking them for all information (apparently they have taken the debt from another company, it's all confusing and I emailed the following message I just received a letter about a debt from a few years ago, and well I need two things first thing is all information you have regarding this debt because I can't remember anything about it at all, and it would be nice to have the same information as you. the second thing is i'm unemployed and that's an awful lot of money so your asking me to pay an outstanding balance of over 4 grand when I don't know what for and even if I do/did know I'm still out of work so, your requests for immediate payment from a letter out of the blue … that can't happen I'm happy to look into things and try and work things out, once I have all the facts in front of me, you noted that LINK is the current owner of a debt with MBNA I guess I would like … well as I said I'd like all information regarding the debt you have acquired from MBNA and also any terms and conditions I should be aware of as you are the new owner ? once I have digested this information, and possibly had some consultation, we can move forward. Thank you I have seen refrence to documentation in your library here .. but I'm a new user and can't access those documents does anyone have any advice/direction ? eurgh, I have been out of work for a while now .. talk about kick while your down eh!

Hi to all. For the past year I've been making minimum payments of £1pm to Link Financial for a Barclay's bank cc card which is reviewed every 6 months. I've sent them a budget set up online with CCCS which they ignore. They called me today to go through my income/expenditure and now want a copy of my benefit letter. Do I need to send this to them? If I don't what could happen?

Hello, I really hope you can help me. I am a single woman and have recently found myself in quite severe financial trouble. I have a debt of £2300 with Lowells (Black Horse Finance - 2007) and £2950 with Link Financial (Barclaycard - 2001). I had an arrange with both of them, paying £50 PCM. I am not currently in a position to pay this and I am scared of what will happen next. I don't understand how the law sees this situation. They phone quite regularly. I have read here that I don't have to answer their calls. Is that true? I don't know if I have PPI. Thank you for reading this.

Hi I am hoping someone can help me. I received a call yesterday from an unknown number on my mobile phone which left no voicemail. This morning they have called again and I managed to get there in time then I answered my phone, they referred to me by my Christian name and then confirmed my Surname, but, they would not respond to me as to who they were and why they were contacting me until I had confirmed my details. The reason they are contacting me was due to an outstanding debt to Student Loan. This i had, many moons ago, gone through to CCJ on my credit rating and as far as I was aware this was paid off as a standing order that was on my account and when I calculated the date to end on I stopped payment and heard no more. The CCJ is no longer on my Experian record so now I cannot confirm details of reference numbers, balance or anything. Link Financial asked me to confirm my address and are telling me I owe £2,350 and I have 21 days to pay this or someone will arrive at the door of my home to collect. I am in employment but do not have that kind of money that I could pay this, but I dont think I owe this money. When I disputed that I owed it they asked how much I thought I did owe. They went on to state they would not accept payments if I am deemed liable (at this precise moment in time I am working away from home but doubt in the eons of time I have any documentation regarding this at all so may have to accept by default as I fear I cannot prove otherwise). The original Student Loan was from 1994 (I graduated in 1998) and I believe the court judgement was dated 2004. This went to court as I went through an acrimonious divorce, moved home and papers were not forwarded to me by my ex partner and payments were not made due to personal circumstances at the time. I have now given my current address to Link, who infomed me they will send paperwork, but what paperwork I have no concept of, and they stated they will ring me again in two weeks. Please help as I dont know where to start to prove this has been paid.

Hi, I received a mobile phone call out of the blue last Wednesday asking if I was me and giving very old addresses as contacts. After asking some questions they said they had bought my student loan debt and demanding payment of several thousand pounds. I was told I had 21 days to pay them - with no option of a payment plan or anything. When I questioned why I had not heard from the Student Loan Company for about ten years and now was getting a phone call out of the blue they advised they had only just managed to track me down. They offered very little information about who they were other than basic information. They did not even offer there company name. I seem to remember they asked me for my address to send a letter to and looking back I don't believe that had my address. They also advised that contacting the student loans company would not achieve anything and they would transfer me straight back to them. I did take out a student loan back in 95-97 and due to the amount I was earning after I graduated, I deferred it for a couple of years. Around 1999-2000 I did not receive my deferral letter and over a period of 6 months went backwards and forwards with the SLC to try and get them to send me a deferral form. I provided them with an alternative contact of my parents address during this time but nothing seemed to work so I gave up and stopped contacting them. I received no further contact either via phone or post and neither did my parents. I have been at my current address for seven years and have never been contacted by anyone about the Student Loan until last week. In a stress I called the SLC the next morning who confirmed they had sold my debt on, confirming the amount and that I owned no more than I was told on the phone. Today I have received a notice of debt collection services letter from Link Financial Outsourcing but it is single page of A4 with some references but no paperwork or evidence to back it up. Unfortunately I also have no paperwork as it has been lost in a number of house moves and having had no contact for so many years. Having read some of the threads on your forum I think this debt might be statue barred - do you think I have a case and what do you advise I do next? I'm sorry this post is so long and thank you in advance for any help and advice you can give.