Link Financial Outsourcing-Threatening letters

[soundman666]

Hello everyone,

 

After a phone call from an "Investigator" to my wife, my address was confirmed.

 

Im now receiving letters from Link who have been appointed by Thesis demanding payment in full for an outstanding SLC loan.

 

The loan was taken out 97/98, and should be the old type,

however sometime around 1999/2000 i received a CCJ (despite pleading that i had notified them of a change of address, therefore not received the deferment )

being young and broke I panicked and had been paying a monthly figure up until 2009 (I had to close my bank account from where I was sending the standing order).

 

I very nearly called them to negotiate a settlement but after discovering this most fantastic forum,

decided to ignored the 1st letter and see what happens next.

 

I have stored the number they used to contact my wife with in my phone as DO NOT ANSWER and get the odd voicemail asking me to call urgently. I don't intend to speak with them.

 

Is there anyway to find out what other numbers they use?

so we are not caught off guard. Im expecting it to get worse.

 

The next letter I received seems somehow less threatening,

however states their intentions to not allow me to leave the account unpaid.

 

They also note that they are aware that i maybe avoiding contact with them but they are sure that when I borrowed the money I had every intention to pay it back!?

 

The next paragraph says something along the lines of-- If this dept has been registered with a Credit Reference Agency it will be held against my name..

I thought it had already been held against me after the 1st CCJ?

 

The Last Paragraph says that they may place my details with the Asset Investigation Department to validate my personal data

and pursue any action that may prove necessary to recover the balance.

 

Am I in a position to continue ignoring them?

Or should I start down the road of fighting back?

after the way the SLC/Thesis and now Link have dealt with this matter,

I have no intention whatsoever of parting with any more money for them!

 

Hopefully, I've tried to be as concise as possible

Yours Thankfully

Soundman

[dx100uk]

who got the CCJ against you?

who were you paying your CCJ payments too?

did you ever get yearly statements concerning the CCJ payments [you should have!]

 

lets get your ducks in order here:

 

can you get a copy of your cra file please [see below] noddle is free.

 

i would expect nothing shows

though we need to see if link have tied the CCJ to the same debt

 

i doubt they have and that they even know about it.

 

if no-one has written to you rearding the non payment of the CCJ or enforced it

me thinks thats dead, ut ofcourse as you 'paid' on it till 2009, there might be legal redress here for them

 

for now sit tight ignore the threat

 

dx

[soundman666]

Hi dx

Hope you are well

 

As it was so long ago I assume it would have been passed on to Thesis to get the CCJ, The payments show on my bank statements as Student loans Company, but that could have been my note.

I have never seen any statement of any kind ever..

As for the cra file I got one from experian around 3 years ago in order that i could open another account and nothing showed up. i'll get another soon as.

 

These letters from Link are the 1st correspondence i've had from anyone about the debt or the CCJ

 

Cheers

SM

[dx100uk]

if the ccj didn't show 3yrs ago it wont now.

 

my gut reaction is this is link #doing they're usual

money making exercise from looking at old files they've purchased.

 

i'd b tempted to fire off the statute barred letter to link.

 

let them play their cards

 

i bet my bottom dollar they come back with some crap about a payment in 2007 [there usual MO]

 

if they comeback with a payments list from 2009, that would be 'interesting'.

 

just send that letter

 

stay off the phone

 

dx

[dx100uk]

thread closed

 

 

dx