A little advice please

[mrs_m]

Re: A little advice please

Ok Niddy will get first one in the post tomorrow thank you x

[Never-In-Doubt]

Re: A little advice please

Just a little update. Getting phonecalls and messages daily from Link but not answering becoming a pain tho....but so far alls quiet xx

Start sending these, start at the top and work down - give a month in between sending each:

Harassment by Telephone
Harassment by Telephone Follow-Up
Harassment by Telephone - Threat of Legal Action

[mrs_m]

Re: A little advice please

Just a little update. Getting phonecalls and messages daily from Link but not answering becoming a pain tho....but so far alls quiet xx

[mrs_m]

Re: A little advice please

Thanks Niddy will do

[Never-In-Doubt]

Re: A little advice please

Niddy
I have only gone and found the letter that link sent me after my request heres what it says....this was 21 april 2010.

You have recently made a request under section 77/78 for copies of various documents.
As you are aware LINK FINANCIAL purchased you debt from LLOYDS TSB BANK PLC on 29 july 2005 and as such we do not always hold this documentation. We have requested a copy of the agreement and the most recent terms and conditions your account was operated under from LLOYDS TSB BANK PLC and look forward to sending you this in the near future, however please be advised that this can take up to 30 days to provide.

So its now been 1 year 3 months lol

Ok, this is now unenforceable and remains so until they come out of default. Therefore stop payments (I know you already have) and basically await more formal contact being made then update us and we'll take it forward.

The letter they sent you is simply a "you missed this months payment...." Not worthy of a stamp let alone time to write a letter. Stop payments, sit tight and relax over this for the time being...

[Angry Cat]

Re: A little advice please

is that a good or bad thing lol thou it could have saved me 500 quid

The covert tactics employed by Link Financial Limited and Link Financial Outsourcing Limited, does make one raise an eyebrow or two!

[mrs_m]

Re: A little advice please

is that a good or bad thing lol thou it could have saved me 500 quid

[Angry Cat]

Re: A little advice please

Niddy
I have only gone and found the letter that link sent me after my request heres what it says....this was 21 april 2010.

You have recently made a request under section 77/78 for copies of various documents.
As you are aware LINK FINANCIAL purchased you debt from LLOYDS TSB BANK PLC on 29 july 2005 and as such we do not always hold this documentation. We have requested a copy of the agreement and the most recent terms and conditions your account was operated under from LLOYDS TSB BANK PLC and look forward to sending you this in the near future, however please be advised that this can take up to 30 days to provide.

So its now been 1 year 3 months lol

AC rolls eyes and shakes head...

[mrs_m]

Re: A little advice please

Niddy
I have only gone and found the letter that link sent me after my request heres what it says....this was 21 april 2010.

You have recently made a request under section 77/78 for copies of various documents.
As you are aware LINK FINANCIAL purchased you debt from LLOYDS TSB BANK PLC on 29 july 2005 and as such we do not always hold this documentation. We have requested a copy of the agreement and the most recent terms and conditions your account was operated under from LLOYDS TSB BANK PLC and look forward to sending you this in the near future, however please be advised that this can take up to 30 days to provide.

So its now been 1 year 3 months lol

[mrs_m]

Re: A little advice please

All done.

[mrs_m]

Re: A little advice please

sorry I know i have to send it via the link but its asking me something about yahoo mail or g mail am i being dozy?

[mrs_m]

Re: A little advice please

ok lol sorry I been so absorbed in the other posts that I didnt see the one for me....I was just literally going to get the letter drafted lol...yes niddy will get hubby to scan it for me whens hes done the spuds lol

[Never-In-Doubt]

Re: A little advice please

Hi

Are you going to email their letter

[Never-In-Doubt]

Re: A little advice please

Its ok I will send the original letter and start agin if thats what you think and this time I WILL put the reply away in a safe place x

NO!! Do not resend the request! See above post

Normally I'd say yea, what harm BUT as this is so old and they're clutching at straws, I think leave it. In2deep isn't wrong; it's just I know the history from aaaaages ago

[Never-In-Doubt]

Re: A little advice please

Right, you going to listen this time or ignore me again?

Stop paying, email me their most recent letter and confirm start date, original creditor, dca and balance.

Do NOT resend a cca as they are still in breach thus s.127 protects you - they CANNOT enforce it.

Happy?

Great - use the link in my signature to send me their latest letter please.