link finance .brought old HFO debt .need help please

[Monkog]

last week I had a phone call from a guy called roger who claimed he wrote to me in dec ,

and I had not contacted him ,

 

 

I said I have had no letter ,

 

 

asked what this is about he said I need you address ,

needlessly to say he got told where to go.

 

 

.few days later a letter arrives from a company called link finance ,

 

 

I call them and find out its for a debt from hfo handed over to them.

 

 

.. I stated I had a mental health problem(bi polar) to which I was told we don't care

 

 

, how you paying us to which I said ,

you have got no chance in not so many words ,

explained I wrote to hfo requesting documentation none came ,

5 yrs later this ,

 

 

have asked for a notice of assignment ,

the original credit agreement (£1 postal order)

also I have asked for copies of any payment to hfo acknowledging the debt

( no money paid out to hfo

)and also does 2 phonecalls 3 letters in a week

and abuse of me and my health issues constitute a offence under the prevention of harassment act 1997.

 

 

..also can they just threaten to take me court with out me going to defend myself

 

 

. I appreciate any advice

[fkofilee]

Stop talking to them over the phone.

[Monkog]

I did I just know the number and ignore it when they call

[dx100uk]

link have brought a whole loan of stuff from HFO

 

 

they are all unenforceable

 

 

forget about it

 

 

what does your credit file say?

 

 

dx

[Monkog]

am looking into that now to see if any blemish ....how are they unenforceable and should I send a letter of proof or ignore them completely , but keep log of harrasement

[Bazooka Boo]

Ignore them completely.

 

The only thing you DON'T ignore are court papers.

 

DCA's are powerless wannabes, they can threaten all they like, but no-one listens to them, all hot air!

[Monkog]

Have just checked my credit report and so far nothing has changed

[Bazooka Boo]

There you go then!

 

All hot air, as usual, ignore them. But keep an eye on your CRF.