Enough now

[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.

[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]

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]

There is no PPI on any of my accounts.

[nightwatch]

My one and only response received to date.
Letter dated 18/09/18, received 22/09/18.

what did it say ?? or do you mean it has been signed for ?

[Rosebud]

what did it say ?? or do you mean it has been signed for ?

Oh gosh sorry I forgot to put that bit in , they acknowledged the request and stated that they would so respond within the 12 day timeframe.

[nightwatch]

Oh gosh sorry I forgot to put that bit in , they acknowledged the request and stated that they would so respond within the 12 day timeframe.

Thank you, you were just so excited you got carried away xxxx
Dont worry if it is longer , very few manage it,

[Rosebud]

Oh you made me smile ( after quite a sad couple of days ) so thank you for that

[Rosebud]

Type of account : Marks & Spencer personal reserve
date commenced : before July 2008
Approx balance : 1580
Date last paid : before July 2008
On DMP from July 2008
Status : default
Account owner : Idem servicing

Letter acknowledging my letter received today ,and stating they will respond within th time frame, this was dated 19th September.
Dated and filed with all relevant paperwork. 2 out of 8 , from the same company. Let’s see how long the others take to reply if at all .....

[nightwatch]

Letter acknowledging my letter received today ,and stating they will respond within th time frame, this was dated 19th September.
Dated and filed with all relevant paperwork. 2 out of 8 , from the same company. Let’s see how long the others take to reply if at all .....

Oh we love a personal reserve. Lol, x

[Spud]

Oh you made me smile ( after quite a sad couple of days ) so thank you for that

That's what we are all about here.......It sounds like your starting to get things under control a bit

[Rosebud]

That's what we are all about here.......It sounds like your starting to get things under control a bit

Hi spud, strange really , I have just let the situation plod along as it was easier for me to deal with what I have going on in my life, work , disabled son and a medical negligence case which has been ongoing for 15 years ! 10 years is a very long time to be paying the DMP with the same amount ahead .....
juggling life with all this has at times been very very difficult. But I really hope that I can get through this with the help of such a lovely bunch of people.
Thank you for your reply ☺️

[Rosebud]

Oh we love a personal reserve. Lol, x

Oh I do love how you write makes me smile .... hmm I have read about the personal reserve I am looking forward to seeing what comes back.
No replies whatsoever today ....
enjoy your evening.

[Rosebud]

So 2 weeks after I sent all my requests I have only had 2 replies ...... perhaps more will arrive soon

[Right-a-wrong]

So 2 weeks after I sent all my requests I have only had 2 replies ...... perhaps more will arrive soon

Hi Rosebud, I sent a CCA request in early April that was definately signed for, and I’m still waiting for any response at all - over the moon that they haven’t bothered as it’s currently UE! long may it stay that way.