Hello everyone, been reading all this and glad I did so signed up to get your thoughts. I have had my CC balance handed over to Link in the last few weeks, I called Link yesterday as they had left several messages on my mobile/house. Also a number of text messages. I have'nt yet received any letter from them though. When I spoke to the adviser, usual thing, very pushy and asking if I could clear the balance. I told him that I hadn't received a letter from them and that one should be sent out in the first instance. He replied. we sent you one on the 12th of this month, I asked for them to resend it again please and all he did was divert to try and talk about the balance. At this point, I said until you send me a letter I do not acknowledge this bill, send me a letter then I will take it from there via letter only. He said "We prefer to deal over the phone here" lol... I replied, "I like to have paper trials" he replied "sure, we'll play along" Joker.... after reading many comments the way forward is to first send a CCA request and give them the 12 days?? One thing I dont understand after seeing all the replies people are having back from Link is the letter from mbna 3 weeks ago said... "Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay...." This is what, according to many people Link are saying, that the agreement has been terminated therefore no CCA can be provided. This is a new debt where I only defaulted in the last 6 months. I have other DCA agreements that are fine and they have ALWAYS sent me a letter first Whats the best way forward people?