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In July last year I submitted 2 separate CCA requests to Link Financial by recorded delivery documenting the relevant reference number for each account at the top of each letter. The CCA requests refer to Co-op credit card debts taken over by Link financial for which I had ben making repayments via Step change for a number of years. Having been making the payments, at the time of the CCA request there was not at that stage any threat of action form Link Financial, and there hasn't been since.
Subsequent to my requests i received the following:
20/07/20. A letter from Link Financial quoting the reference number for both accounts, stating:
Unfortunately the original creditor Co-operative bank plc have been unable to comply with your requests as the vendors documentation has not been received in the 12 working day timescale. Although the documents are currently unenforceable until such time the vendors documentation has been received, the outstanding balance remains collectable, and it is acceptable for creditors to register and continue the reporting of a default for both accounts. This completes our obligation under section 78 of the act.
03/08/20: A further letter from Link Financial, quoting only one of the two account reference numbers, stating I am please to enclose the requested documents with regards to the section 77/78 request under the Consumer Credit Act. The documents have been provided to us by the original vendor in question. The account is now enforceable, and we kindly request contact in order to agree a fair and affordable monthly repayment plan, if there is not one already in place. Please also find enclosed an account summary. This completes our obligations under section 77/78 of the act. Enclosed with this letter is a copy of an application for a Co-operative credit card application dated July, 1997, but only one application, as opposed to the two CCA requests.
28/01/21: Two separate letters from Link Financial quoting the relevant reference at the head of each letter, which state. we have received confirmation that your elected advisor is no longer dealing with matters on your behalf. Please contact our offices upon receipt of this letter to discuss future payments on the above mentioned account [The letter then states the contact details]. Alternatively please complete and return the personal budget plan on the reverse of this letter, indicating your offer of repayment, and your preferred due date.
I have e mailed Niddy the copy that I have been sent, and am awaiting his response relating to enforceability, and will post again as soon as I have had a response. My query at this stage is to ask for guidance relating to what Link have said in their two letters, the relevance of the timescales of their responses, and what do I do not having a response to both CCA requests?, do i make a second CCA request for the one I have not received?
Any help and guidance would be greatly appreciated.
Subsequent to my requests i received the following:
20/07/20. A letter from Link Financial quoting the reference number for both accounts, stating:
Unfortunately the original creditor Co-operative bank plc have been unable to comply with your requests as the vendors documentation has not been received in the 12 working day timescale. Although the documents are currently unenforceable until such time the vendors documentation has been received, the outstanding balance remains collectable, and it is acceptable for creditors to register and continue the reporting of a default for both accounts. This completes our obligation under section 78 of the act.
03/08/20: A further letter from Link Financial, quoting only one of the two account reference numbers, stating I am please to enclose the requested documents with regards to the section 77/78 request under the Consumer Credit Act. The documents have been provided to us by the original vendor in question. The account is now enforceable, and we kindly request contact in order to agree a fair and affordable monthly repayment plan, if there is not one already in place. Please also find enclosed an account summary. This completes our obligations under section 77/78 of the act. Enclosed with this letter is a copy of an application for a Co-operative credit card application dated July, 1997, but only one application, as opposed to the two CCA requests.
28/01/21: Two separate letters from Link Financial quoting the relevant reference at the head of each letter, which state. we have received confirmation that your elected advisor is no longer dealing with matters on your behalf. Please contact our offices upon receipt of this letter to discuss future payments on the above mentioned account [The letter then states the contact details]. Alternatively please complete and return the personal budget plan on the reverse of this letter, indicating your offer of repayment, and your preferred due date.
I have e mailed Niddy the copy that I have been sent, and am awaiting his response relating to enforceability, and will post again as soon as I have had a response. My query at this stage is to ask for guidance relating to what Link have said in their two letters, the relevance of the timescales of their responses, and what do I do not having a response to both CCA requests?, do i make a second CCA request for the one I have not received?
Any help and guidance would be greatly appreciated.
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