Link & Elmwood Park

[MCG010]

I've had Link pursuing a debt for a good 3 yrs.

 

The debt is what one was First National,

then GE Money, for some home improvements back in 1996.

 

The original agreement was in joint names with my ex-wife,

we split in 2005,

sold the house.

 

In the mayhem this debt left with a balance of £500.

The original loan was very high interest and I've been considering a PPI check against it.

 

Link have taken over the debt and have harrassed me for 3 years, inflated it to in excess of £1100.

They go quiet for 6-7 months then start again, now threatening action through Elmwood Park.

 

I dont think I've paid anything for over 6 years but cant be sure.

They are only pursuing me, not my ex-wife (they never contacted her). Surely technically this is wrong?

 

I have never received any correspondence saying the debt was assigned to these guys.

Reading other threads I note Elmwood use CCJ's and Bailiffs which is worrying

 

Is there claim invalid?

- due to the nature of their harrassment I'd prefer to pay them nothing at all

Edited December 2, 2013 by MCG010
checked timeline and corrected

[fkofilee]

Check when the last payment was made... and then count 6 years from that date... (5 in Scotland)

 

If so and you have made no written acknowledgment and also not made a payment to the debt on your end then it should be Statute barred.

In the case this is the joint account and the other party has made a payment or Written confirmation they owe it then it will reset the clock for you both,

[firstship]

Check your credit file see what it states,if nothing then statute barred is more than likely. Do not contact them until you have checked your credit file

 

FS

[dx100uk]

and as its link 99.9% spoof too!!

 

dx

[MCG010]

and as its link 99.9% spoof too!!

 

dx

they are very aggressive, I intend to check my file but wondered if there was a 'technicality' here? How they can they pursue me and not the other person on the file. I don't think they even know it was a joint name at the outset.

[dx100uk]

only on the phone.

 

they'll say anything to make you cough.

 

diff in writing though, pussy cats.

 

dx