Enough now

[Rosebud]

Type of account : CC
DATE COMMENCED BEFORE JULY 2008
approx balance : 4900
Paid in full : prior to July 2008
OM DMP SINCE JULY 2008
status : I have no default letter
ACCOUNT OWNER : Link Financial

I have checked Royal Mail, letter hasn’t been signed for , what happens with this situation, ? Will they just deliver it, or will it be returned ?

[Rosebud]

So now debts , I will complete one entry for each.

Type of account : credit card ( previously MBNA )
date commenced : ? I haven’t got any documentation , but it will be before July 2008.
Approx balance : £2500
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

My one and only response received to date.
Letter dated 09/18, received 09/18.

[Rosebud]

My own experience with LINK is that they didn't sign for CCA request. They have never ever mentioned that request.
A SAR later revealed LINK had requested CCA from OL and that there had been correspondence between LINK and OL. Very revealing that SAR!!
I have noticed in diaries LINK claiming they have responded to CCA and the diaries denying receipt!

Now make certain you have a record of every LINK letter, memo, sms, phone call. By time and date!
Because whilst that CCA request is outstanding the Debt is unenforceable.

Thank you for letting me know, I haven’t managed to check if they have been signed for today as I have been reading the online diaries. Will check tomorrow though and post update on here if they have been signed for . I have copy letters and post office receipt safely filed.
I will keep a detailed record of any contact from this company.
Thanks again for the information.

[Roger]

My own experience with LINK is that they didn't sign for CCA request. They have never ever mentioned that request.
A SAR later revealed LINK had requested CCA from OL and that there had been correspondence between LINK and OL. Very revealing that SAR!!
I have noticed in diaries LINK claiming they have responded to CCA and the diaries denying receipt!

Now make certain you have a record of every LINK letter, memo, sms, phone call. By time and date!
Because whilst that CCA request is outstanding the Debt is unenforceable.

[Rosebud]

If you sent them by recorded delivery, as long as you keep the certificate from the post office that is your proof that you sent the request. I always stapled the posting slip to the relevant copy letter in order to be sure which slip related to which letter. That is your complete paper trail.

Thank you, yes I have ensured that I have kept all relevant paperwork with each debt. Will now wait to see what replies I get back. Will post updates as received. Thanks again.

[Rosebud]

Recorded delivery some time still show in system but delivered, found in the past a letter refering to the one not shown as signed /

Ah thank you, I thought it strange. But I will check again tonight and see if it’s marked as delivered. I have printed out the signature receipts for my records for the others. Will keep diary updated. Will see how quickly I get replies.

[Still Waving]

This is very interesting as I have recently sent CCA's to all of mine, but the only one not showing up is link, although I sent 2 to link (one for my husband) but that's not saying received!!!
does anyone know how we stand legally with this? All CCA's sent on the same day recorded signed for delivery, but some showing signed for and others not?
i can't prove that they "did" receive them can I ?

If you sent them by recorded delivery, as long as you keep the certificate from the post office that is your proof that you sent the request. I always stapled the posting slip to the relevant copy letter in order to be sure which slip related to which letter. That is your complete paper trail.

[vaper]

Well, 6 out of the 8 letters sent have been delivered. The 2 which haven’t are The ‘Link’ accounts.
I will check again tomorrow.

This is very interesting as I have recently sent CCA's to all of mine, but the only one not showing up is link, although I sent 2 to link (one for my husband) but that's not saying received!!!
does anyone know how we stand legally with this? All CCA's sent on the same day recorded signed for delivery, but some showing signed for and others not?
i can't prove that they "did" receive them can I ?

[The Tech Clerk]

Recorded delivery some time still show in system but delivered, found in the past a letter refering to the one not shown as signed /

[Rosebud]

Well, 6 out of the 8 letters sent have been delivered. The 2 which haven’t are The ‘Link’ accounts.
I will check again tomorrow.

[Rosebud]

Don't worry about the 12 + 2 - they rarely come up with agreements within that time anyway. It then means that the account will be (temporarily, at least) unenforceable, but you won't be chasing them for a reply to a CCA74 request.

Thank you you for explaining that for me. I am very interested now in the responses to my requests.
No I won’t be sending any reminder letters. Counting the days now..... want the letters coming in..

[Rosebud]

well done on starting your diary, x

thank you , as you know it’s just such a big step, but one I am very glad to have started.

[Rosebud]

>>>>Wescott do not own debt but try and collect on commission basis so Cabot own the debt!

Oh how confusing , I sent my letter to Cabot so there shouldn’t be any delay.
Thank you for explaining.

[Rosebud]

I joined earlier this year after much dithering and wish I had bitten the bullet years before. I have had some fantastic results since joining, and have peace of mind at long last, and all in a few short months. You are in amazing hands here, with caring, sharing people, knowledge is power. Good luck on your journey Rosebud!

Oh oh that’s just amazing , gives me hope. Thank you I can see from the posts I have read that there is much support within this group. Just fab.

[Still Waving]

Hi , well all letters have now been send 1st class recorded will see what turns up then.
In relation to the 12+2 days is this working days ?

Don't worry about the 12 + 2 - they rarely come up with agreements within that time anyway. It then means that the account will be (temporarily, at least) unenforceable, but you won't be chasing them for a reply to a CCA74 request.