link/kearns letter of claim - old Halifax Card debt

[Badtimes123]

Hello and welcome to CAG,

 

Was the letter you received from Kearns a letter of claim? it sounds like it but please confirm. If it was then the process would have been to click this --> letter of claim, and follow post 2

 

There would be no harm in doing the above again as you haven't acknowledged the debt and need to see adequate proof before proceeding.. Note the words in their reply letter "we anticipate..." not "we will"

 

You state a 'number of cc's' - list them out please as per most of the threads you said you've lurked in:

date you opened them

date they defaulted

when you last paid

 

More knowledgeable people will be along in time also to guide you further based on the above answers you give

 

BT

 

[Badtimes123]

You're welcome,

 

No no, you're spot on, let's deal with the urgent one.

 

EDIT: removed my advice because dx and Andy got here

 

I wouldn't pay without seeing enforceable paperwork though by way of a CCA to Link..

 

Good luck

Edited June 9, 2022 by Badtimes123