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New customer of Link Financial, old MBNA card


oldagehappens
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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?

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The CCA request should be honoured it's a lawful request any thing

about termination does no mean the agreement does no exist.

Send the CCA request to the Compliance Manager at Link recorded

delivery, with a £1 postal order for the statutory fee.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Oh dear oh dear......

 

Will be sending the CCA request tomorrow JUST 2 DAYS AFTER LETTER ARRIVED!!

 

Just had a call from Rio at Link, told him I have replied and you will receive the letter within 48 hours. He asked what it said, I replied "You will see in 2 days and please from now on I ask that you only contact me via letter"....

 

oh, ok. I shall make a note on your account that you are failing to co-operate and esculate to the next level..

 

It actually made me LOL....

 

Very funny. Im not sure one could be any more co-operative in truth, replying to theor letter so fast.

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Oh dear oh dear......

 

Will be sending the CCA request tomorrow JUST 2 DAYS AFTER LETTER ARRIVED!!

 

Just had a call from Rio at Link, told him I have replied and you will receive the letter within 48 hours. He asked what it said, I replied "You will see in 2 days and please from now on I ask that you only contact me via letter"....

 

oh, ok. I shall make a note on your account that you are failing to co-operate and esculate to the next level..

 

It actually made me LOL....

 

 

Very funny. Im not sure one could be any more co-operative in truth, replying to theor letter so fast.

 

Sounds like a petulant baby throwing it's toys out of the pram:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi next time they phone you ask them to wait a mo then {edit]off and carry on what you was doing before they phoned they hate that lol good luck :)

Edited by BRIGADIER2JCS
keep the language clean please

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

0 - 1

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Hi next time they phone you ask them to wait a mo then {edit]off and carry on what you was doing before they phoned they hate that lol good luck :)

 

They actually phoned again. Different person this time.

 

I just reminded them and hung up!

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  • 2 weeks later...

Hi people,

 

So Link have responded to the CCA request 6 days after receiving it. The letter syas...

 

As you are aware IDR Finance UK limited purchased your debt from MBNA on xxxxx and as such do not alway hold this documentation. We have requested a copy of the agreement and most recent terms and conditions you account was operated under and looking forward to sending this to you in the near future.

Please be advised that this can take up to 30 days to provide.

 

Sounds a load of tosh to me... Any suggestions?

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Seems likely that they (the OC) has not got any paperwork.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OC = original creditor.

 

The only restrction for non compliance of a CCA request

is that they cannot enforce the debt in court, but it is

possible now for creditor to produce a reconstituted a greement

that satisfies sect 77/78 CCA 1974, and with supporting evidence

of use of the account may be acceptable to acourt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OC = original creditor.

 

The only restrction for non compliance of a CCA request

is that they cannot enforce the debt in court, but it is

possible now for creditor to produce a reconstituted a greement

that satisfies sect 77/78 CCA 1974, and with supporting evidence

of use of the account may be acceptable to acourt.

 

Okay, thanks.

 

So what is the best way forway then if they dont provide this? Just tell them to go jump?

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Hi oldage

 

This is all good news; one might see a sign of our Lord's work in the temple.

 

Brig is merely saying that absence of a true CCA is no longer an absolute defence in itself; however, a total absence of documentation makes it difficult for a bandit to pursue one in a (even a lower) UK court; so, softly, softly, catchee monkey and just ask for little bits in a slow but timely manner.:-)

 

x

 

v

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  • 3 weeks later...

Hi All,

 

So we are only 7 days off the 30 days since LINK received my CCA request, as of yet they have not provided the documents. If they have not provided it by then what would be the next set for myself?

 

Also, on another note Aktiv Kaptial received my CCA request and replied back saying as they do not hold this documentation they are no longer continuing with collections and consider the matter closed. There was still £1400 left to pay.

 

I guess they will sell it on to another :|

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Hi there oldagehappens (I know how you feel),

 

Time scale for cca is 12 + 2 days so Link are out of time.

( I think their 30 days is so they can get their crayons sorted out)

 

The experts here would now say send them the "account in dispute" letter. sorry can't post links but it's in the library.

 

Z.

Illegitimi non carborundum

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  • 2 weeks later...

Hi peeps.

 

So, I wrote account in dispute letter and today have found that the letter is still sat in my wife's car grrrrr. She forgot all about it.

 

Today I have received from link a reconstituted agreement although the original terms and conditions with my signature are there,albeit a photocopy but still my signature.

 

It's been about 40 days since they received the CCA request but their covering letter says.

 

Please find enclosed the documents you have requested from link. If you have any queries please contact us on

 

Where this request was made under section 77 or 78 of the CCA this document fulfils our obligations.

 

Is there much point in sending the letter off now? It's taken 40 days but I guess it's very much enforceable from there end?

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May be an idea to scan and post a redacted version of the recon

for us to take a look at.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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