ClubLaCosta, Link, MackenzieHall

[kazza0011]

Club La Costa is definitely a spoof.

 

In December 2004 I declared Bankruptcy.

I was discharged in November 2005.

 

In the August of 2005, I went to Tenerife for a weeks holiday with my ex partner

and we were accosted by Club La Costa in the street.

 

Having been abroad many times I told my ex this was a massive con and to ignore them,

but guess what...

we ended up at one of Club La Costa's presentations where,

after several hours of hard sell,

my ex was convinced that this was his opportunity to sign up for years of luxurious holidays....

 

Needless to say I was not happy,

but my ex was not someone to be argued with and the rep was clearly on his side...

.I figured, no problem, as soon as they run a credit check I'll be off the hook.

 

We even told the rep we did not own our own property and that I had recently been bankrupt

and was yet to be discharged, he said this was not a problem and that he would tell us what to write...

.which he did...

...He helped us make up a fictitious amount for the value of our 'property' and the outstanding mortgage.

 

..To be fair, I didn't imagine for one second it would get past the credit check

and was so worn down by the combined pressure of the rep

and my ex I would have signed anything to get out of there..

 

...The problem was, it went straight through the credit check, despite me never having lived at my ex's address..

.. I was gobsmacked, but figured once we got home we would cancel.

My ex however had other ideas....

 

reluctantly I began to pay the monthly fee on our trial membership...

..this would have been O.K except we took our first week in another Tenerife resort

and the pressure sell really began in earnest...

..8 hours including a tour of other resorts and a nightmare day of listening to the rep

tell us all about the benefits of a 'silver membership'

If we redeeemed our trial membership it would 'only' cost another £10,000.

....As you can all probably guess, once again the documents were signed.

...once again I was hoping that a proper credit check would reveal my ,now discharged, bankruptcy

....No such luck.....

 

Subsequently me and the ex went our separate ways..

..I stopped the d/d to GE money..

..Presumably the letters were going to my ex partner's address..

 

..By chance, when checking into my own credit report,

I discovered he had conveniently gone bankrupt a couple of years later..

...Leaving me solely responsible for the GE money debt....

 

The letters started to arrive,

then the phonecalls and 6 monthly statements..

..I ignored them completely...

 

.Then in November 2009 Link Financial became involved..

..I was borwsing this site and decided to ask them for a copy of my original agreement.

 

It cam within the prescribed time and suddenly this debt appeared on my credit report,

which it hadn't until this point...

 

..Now the debt has been sold to Mackenzie Hall who bombard me with phonecall

and text messages on a daily basis.

 

I have not responded and have blocked them whenever they try with a new number..

..They even have the ability to make a call using a local area code in a bid to get you to respond to them,

I've become very wise and just block each new number....

 

I am really hoping the statute of limitations has passed,

but I'm guessing because I sent Link financial a request for a copy of my original agreement

(wth the covering letter from here)

The clock was rest in 2009 and I will have to wait until November 2013 before the 6 years has passed

and it will drop off my credit file.

 

In tottal the debt is now around £26,000 with interest being added every month..

 

...Any advice on what will happen if I continue to ignore it?

 

I figure if Mac Hall have got it, its pretty much unrecoverable

but would appreciate some feedback on this as they are known to be complete sharks

and only buy unrecoverable debts.

 

I am of the mind that,

if this debt was enforceable then surely someone would have taken me to court by now????

AND, WOULDN'T AT LEAST HALF OF IT BE INCLUDED IN MY EX PARTNERS BANKRUPTCY?????

 

Wish I had stuck to my guns at the outset and stood up to my violent and abusive ex.

...this has been a millstone around my neck for years and really would like to see an end to it.......

[dx100uk]

sending a CCA request does NOT reset the SB clock.

 

however, that begins ticking from about 3mts after your last payment to GE I would assume.

 

whos against the debt on your CRAfile?

link or Mucky Hall?

 

if its link then well 90% of their debts are spoof that's for sure

 

never ever trust anything link send, say or do.

 

dx

[kazza0011]

I will check my credit file again this week as I just haven't bothered since 2009

when I asked for a copy of my original agreement..

 

...If this is the case and it is Link or Mac Hall then the debt MUST be SB now as its well over 6 years...

 

..I will let you know what I find out, and thanks for the quick response..

 

.You guys are so helpful...

[dx100uk]

SB will be from last payment date ish.

 

if that is TRUE then the CRa file default is wrong

and must be challenged.

 

dx

[fkofilee]

Kazza, keeps us posted on this one....

Stay off the phone to Mck Hall And Link... They spew BS to get you to pay.

 

I hope it is SB for you. Then just send them a SB letter... Also check the date of default is equal and the same to the date of default from GE Money

[kazza0011]

Hi DX,

I have just checked my credit report...

.The original loan was made on 28/12/2006....

 

.I stopped making payments within 12-14 months of this date,

so arguably at the latest jan/feb 2008

 

I received a default notice from GE money dated 15th November 2008

but this may not have been the first one, s

o I'm guessing I defaulted sometime between Feb 2008 and July 2008

ie that would have been when I stopped making payments...

 

..Personally I think it may even have been as early as late 2007

when the maintenance payments also became due in the November.....

 

Original amount of credit was£12,628.79.

 

My credit report gives the following information:

 

Asset Link/ FNB as owners of the debt..

..No idea who these guys are unless that's another name for Link Financial

 

Default date 3.6.2009 which is clearly wrong as I know GE money wrote to me in November 2008

with a default notice and this may not have been the first...

..There is no mention of Mackenzie Hall on my credit file whatsoever.....

 

worst case scenario is this debt will be SB in November 2014

if the letter from GE money was the first default notice..

 

..I don't dare contact them for a breakdown of payments

and when they stopped in case the clock rests

and I'm stuck with this for another 6 years.......

[kazza0011]

Ah, didn't see your last two posts as I was busy writing last reply.....

 

the default date is the date first date that a payment was due and I didn't pay it.......?

 

In that case, how do I go about finding this out without resetting the clock again????

 

Kazza

 

Also, as the other party to this loan went bankrupt..

.am I liable for it all or should it have been wiped by his bankruptcy???

[kazza0011]

Kazza, keeps us posted on this one....

Stay off the phone to Mck Hall And Link... They spew BS to get you to pay.

 

I hope it is SB for you. Then just send them a SB letter... Also check the date of default is equal and the same to the date of default from GE Money

 

Lol,

I have no intention in speaking to either of them..

 

.I have managed not to for the last few years, despite their devious tactics!!!

 

All known numbers blocked even the ones using the local dialling codes..

.been dodging this shower for a loooong time now.

..so am hopeful I can continue with my evasion tactics until I am sure the debt is SB..

 

..Club La Costa are such a bunch of money grabbing sharks,

especially in light of the fact the rep actually got us to lie on the application form in the first place...

 

..And GE money are no better as they should have done a credit search prior to agreeing the loan in the first place..

.if they had done that and were reputable it would have been refused and no harm done.....

[renegadeimp]

If they have your current address, they could try bankruptcy. But im guessing they would have done this already if they were going to do it.

[dx100uk]

Ah, didn't see your last two posts as I was busy writing last reply.....

 

the default date is the date first date that a payment was due and I didn't pay it.......?

 

In that case, how do I go about finding this out without resetting the clock again????

 

Kazza

 

Also, as the other party to this loan went bankrupt..

.am I liable for it all or should it have been wiped by his bankruptcy???

 

where all this bull about writing for cca/sar resetting the sb clock..IT DOES NOT.

 

if you go on Noddle CRA

 

they will list your payment via the little pulldown arrows.

 

asset are link by the way.

 

if link have it

 

then 99% its not owed.

 

dx

[kazza0011]

Gotcha DX...

 

.and I dug out all the paperwork this morning..

 

..Last payment was on February 15th 2008 and this payment bounced..

..no payments made since then,

 

so I'm guessing the date of default is feb 2008

so the six years would be up in february 2014..

 

...therefore the default date held by experian is incorrect.

 

So how do I go about getting that put right?

 

Do I contact Experian or wait until 6 years after the default date and contact Link????

[kazza0011]

dx, I have just noticed my name was spelled incorrectly on original credit agreement....Does this mean anything????

[dx100uk]

so feb was not the last payment

when was the last successful payment?

 

and what is the default date on the debt summary?

 

dx

[kazza0011]

january15th 2008 and the earliest default letter I can find is dated November 2008

[kazza0011]

Balance at default date was £14,153.23.

 

Link sent me a letter dated 6th July 2009 saying they now had the debt.

 

Looking at the statement they sent me,

 

it appears interest stopped on the debt on 31 July 2008

then Link has almost doubled the balance since they took it over

as it now stands at £27,000!!!! Robbing ba****ds.....

[dx100uk]

january15th 2008 and the earliest default letter I can find is dated November 2008

 

its the Default Notice you ideally need.

under section 87 etc

 

dx

[dx100uk]

what is the defaulted date from the debt summary on the cra file please.

 

the letter you are looking for is the default notice served under section 87 CCA

 

dx

[kazza0011]

OK then the date on the default notice is 15th November 2008.

 

It just says 'this notice is given in complance with the CCA 1974 BECAUSE YOU ARE IN ARREARS WITH YOUR PAYMENTS UNDER THIS AGREEMENT'

 

Default date on CRA (Experian) is 3.6.2009

Noddle doesn't go back far enough..

.It just shows the debt increasing since beginning of 2012....

[renegadeimp]

Link are up to their usual tricks. Theyve seen the number on the alleged debt, have gotten greedy and are trying to add spurious charges. The sad thing is, a LOT of people actually fall for it.

[kazza0011]

Link are up to their usual tricks. Theyve seen the number on the alleged debt, have gotten greedy and are trying to add spurious charges. The sad thing is, a LOT of people actually fall for it.

 

Thankfully I'm not going to fall for it..

..Been reading this site for a number of years now

and I know what the debt was prior to Link purchasing it (for a vastly reduced sum no doubt!!!)

 

They are NEVER getting a bean out of me, I just want it off my CRA file..

 

...Incidentaly, I've just noticed there was PPI on the original agreement which I had no idea about,

it was certainly never mentioned at the outset because I would have refused it point blank

as I worked for Local Government and got a very generous sick pay package at that time, full pay for 6 months and half pay for 6 months,

so I would have refused it as there would have been no benefit in it..

 

..Ah well, yet another black mark in CLC's book..

...Dont suppose there's any way I can reclaim this is there.

 

...Just for the hell of it!!!!!

[renegadeimp]

Link probably buy the debt for 10-15% max of its face value. The owner has made tens of millions out of tricking people in this way.

[renegadeimp]

You can reclaim PPI definitley. SAR the OC, get the statements and put in the request. Since it's been sold on, it also wont be offset against the debt, unless the OC buys the debt back.

[dx100uk]

yea sure you can get the PPI back link 1 below.

 

theres no time limit.

 

it looks to me as though the default should have been march 2008

[RachelG2013]

Earlier this year, after years of fighting CLC my brother in law killed himself. Reading these threads renders me absolutely sick that CLC are allowed to practice these hard sell cons.

 

 

My brother in law signed up for CLC years ago after they rang him out of the blue and told him he'd won a free holiday. They invited him and his boyfriend along to a sales meeting and there gave them both the hard sell. They were really only interested in the free holiday and thought they'd both be savvy enough to ignore the sales reps out there and so off they went.

 

 

Once there they were both worn down by the hard sell and agreed to a membership only because they both had an absolutely zero credit rating!!!!!. Neither of them could even get a credit card. Imagine their surprise when they sailed through the credit checks. Like some of you have written on here they were 'coached' by the rep as to how to complete the form and told to basically lie. But the credit check that they thought would put an end to it was all agreed instantly. Once home they wrote a letter cancelling the agreement but CLC stated they received it out of the agreed cancellation period and that the debt and membership still stood.

 

 

And so began years of paying over £500 a month. Not once were they able to book a holiday. They wrote and complained scores of times but were either ignored or received curt replies.

 

 

Eventually they broke up and my brother in law became ill and lost his job. He couldn't afford the payments and CLC only chased HIM for the debt and not his ex, who never paid a penny to them himself. He wrote to them so many times begging them to listen to reason and cancel the debt. They completely ignored his circumstances, refuted everything he wrote in letters and threatened him with court action. He gave them THOUSANDS over the years and never went on one more holiday that the original Tenerife sign up holiday.

 

 

Now, worn down by stress and worry, financial ruin, illness, no job and barely able to afford his own rent, he decided to take his own life at age 33. I have absolutely no doubt that CLC ruined his life and that if he hadn't joined up he would be here today.

 

 

So for anyone thinking of joining this disgusting so called 'company' please think twice. You will be signing yourselves up for years and years of debt to a company who exist to squeeze every last penny out of you with no end in sight.

[dx100uk]

that's terrible.

 

 

dx