Hi all im new to caggers & this is my first post ,link claim they have bought a debt from GE custom finance which was taken over by Santander, they have sent me a default notice & termination notice which is supposed to be from GE that is clearly not the original notice a statement of account from santander that shows a right of balance a DEED of ASSINGMENT that to me dosent look proper, I've checked my credit file & there is no GE or Santander accounts - but there is a link account the default sum is different than the figures on the statment of accounts and the DEED of ASSIGNMENT can any one tell me or help if link are trying it on as i have a date in court with them in JANUARY.

Claiment is LINK finacial amount is correct but particulars state that we entered into an agreement with GE Money in 2000, The actual Loan was taken out with First National in 2000. Until 2003 First National had no conection with GE money. The loan also included a ppi payment added to the initial balance. I will have the means to settle this debt in September and had already written to LINK to tell them this. My letter and the claim crossed in the post. Do I admit the claim and ask for time to pay or do I fight the claim on the grounds that it does not identify the debt to be claimed upon and then pay as planned. Because of my job I would rather avoid a ccj but will not have the means to settle until after the claim is heard. Advice please, I have 10 days left to acknowlege the claim.

Regardsxxxxxxxxxx- Site Document Management Groupxxxxxxxxxxxxxxxxxxxxxxxxxxx--------------------------------------------------------------------------------From: xxxxxxxxxxxxxx Sent: Tuesday, April 05, 2011 1:28

I took out two student loans in 1992 & 1993. I deferred them for a number of years and in 2000 I moved house and forgot all about it. They eventually caught up with me by letter in about 2004ish and I called them and negotiated a repayment of £70/month. When the debt got sold to Thesis there was a period where I didn't pay them anything due to a lack of provision of details of how to pay on their part, but I did resume payments eventually. Last year the debt got passed on again, this time to FFHE, and once again I was told to change my standing order details. The details are hazy but I recall speaking to someone from FFHE last year, the standing order form they were going to send me never arrived and there was a brief delay where no payments were made. I started paying FFHE £70/month in July this year. There was only around £500 left so I was due to make a final payment in February 2011. I’ve been happily repaying this for several years albeit with a couple of brief interludes when they passed on the debt and changed their payment details. So I was naturally astonished and furious to receive a phone call two weeks ago from LINK, saying I was in breach of the agreement (because I spoke to someone in May but they didn’t receive a payment till July) and demanding immediate payment of the outstanding balance of around £260. They have contacted me several times since, threatening me with bailiffs and/or court action to recover the debt if I refuse to pay it now, in full. Continuing with my £70/month for the next 4 months is not an option. The woman from LINK suggested I seek advice from a solicitor. I haven’t received any correspondence whatsoever from them since May when I spoke to them to sort out the remaining payments and change the standing order details. Yet they say they’ve been trying to contact me. Well they can’t have been trying very hard – no letters, no phone calls, nothing. I would like to know: How can a debt I have been willingly repaying regularly have been passed to a DCA? Is it binding if I haven’t signed anything? How can I be in breach of an agreement I wasn’t aware of making? Are they not in breach of the Data Protection Act, since I never authorised my details to be sold/passed on? Can they issue a CCJ? How long would it take for them to get bailiffs or take me to court? Would it be before February? How can they suddenly demand this out of the blue with absolutely no prior correspondence when I’ve been paying? Will this affect my credit rating? My intention is to ignore them and just carry on paying the £70 until it’s paid off in February. Surely any court would throw it out as a complete waste of time to pursue a debt that’s almost honoured and where there is hard evidence that it’s regularly being repaid in substantial amounts? I’d just like to know where I stand legally and what I should do next time she calls, which I know won’t be long. She’s calling my mobile and home number. I could understand (a bit) if I wasn’t paying them anything but I am. Is this not harassment?

Hi, I have disputing an alleged debt from GE money and had written asking them for proof of the debt, obiously they were unable to provide all of the evidence requested. This resulted in me having a Tacit Agreement in place with them, but they have still pursued the matter with the court. I have contested the courts jurisdiction by using the Acknowledgement of Service and Stat Declaration of True Name and Notice of Discharge of Claim. The response I have received is as follows. "IT IS ORDERED THAT:- The defence shows no prosect of success and is struck out. The defendant shall file and serve a fully pleaded defence by 4pm on 23 November 2009. If no defence is filed the claimant may enter judgement in default. NOTE: A party affected by this order may under Rule 3.3(5) apply to have it set aside, varied or stayed. Such a party must apply under Rule 23.3. within seven days of service of this order" Now I didn't file a defence, I contested the jurisdiction of the court, so do I just send back the correspondence to the court that shows how over a period of 45 days three letters were sent which create the Tacit Agreement. Any help in this matter, would be greatly appreciated.

Hi guys after a little bit of advice, so the story, about 18 months to 2 years ago my sister recieved a letter for me at her address, bearing in mind i do not and have never lived there, for link financial saying the usual about an overdraft debt with abbey national, they were gonna this that nd the other, after send them a bogoff he dont live here letter, they started there usual tricks of phoning neighbours nd leaveing telemessages, anyway to cut a long story short they were given my address in scorchio land, i then started to recieve their drivil here which was quite usuefull as it made good kindling in the winter, they eventual sent a Stat demand second class post to my house in the middle of nowhere, i promptly ignored it, then heard nothing for over a year. Yesterday my sisters recieves a nasty letter from BCW addressed to me, i recieve the same letter today saying if i dont pay up the gonna take me court have my posessions seized personally remove nd sell my kidneys etc. Ok i never heard of BCW are they another DCA that link have sold the debt too, If so can they sell the debt if they already sent out an SD? any ideas wot i should do with these aholes, I will first off get a letter sent to them telling them to remove my sis address from thier database or else, any thing else i should know, thanks for your input.