Link Financial Services - collecting on poss SB debt?

[Andyorch]

Hi Dazza

 

I have unapproved your upload ....your name is still showing.

 

Regards

 

Andy

[dazza4]

[ATTACH]39064[/ATTACH]

 

Sorry Andy

 

edited

[Andyorch]

Does the transaction statement read correct dazza or is it a phantom payment/s?

[dazza4]

No i did make the payments so the statement is correct.

[Andyorch]

I'm confused so why did you write to inform them that is was SB? Or was it SB before payments were made?

 

Andy

[dazza4]

It was statue barred prior to this, according to Link the account was dafaulted on 27/11/2004.

 

My first payment to them was on 19/10/2010 when they threatened to wreck my credit file so in panick I paid.

 

then found this forum and it was noted the account was SB and I should stop paying.

[dx100uk]

oh you have a real person too.

 

write her back with the statements showing no payment between 2004/2010

 

that should shut her up.

 

then reiterate you want your £650 back.

 

keep it short and simple.

 

then she must answer the questions in any reply.

 

dx

[dazza4]

[ATTACH]39070[/ATTACH]

 

this is the letter i plan to send to link

any advice on wording much appreciated

[citizenB]

I would also point out that the OFT say under their debt collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

 

Add the following under the above paragraph...

 

I would further point out that the payment you refer to was made under duress at a time when the account was already statute barred. I therefore demand that you return the monies obtained from me under misleading circumstances..

 

Hope this helps..

 

 

 

[dazza4]

thanks all,

 

Letter sent.

I have no doubt they will send another letter saying that they refute the account is statute barred

[dazza4]

[ATTACH]39528[/ATTACH]

 

morning All,

 

I have recieved the attached response from link, should i push the refund issue or is it not worth it.

 

many thanks

[Andyorch]

Hi Dazza

 

So that have accepted its SB and closed the account...the only way you can be reimbursed now is to issue a claim...choice is yours.

 

Regards

 

Andy