Lola girl UE diary...newbie!

[The Tech Clerk]

they will fob off and say contact creditor no doubt?

[Lola girl]

I will have 3 outstanding defaults by the time I have to take this new mortgage next year (albeit with only a few months to run on each) so I don’t want a recent hard search showing. I might fire off a complaint to credit karma although I’m sure they will just fob me off!

[Roger]

Originally posted by Lola girl View Post
The only contact was the doorstep letter as advised above which I sent recently otherwise nothing else.
If I complain about the hard search (they have no reason whatsoever to do this and also did a soft search) will that affect the statute bar? I need to get a mortgage so could do with it off

Still Waving Who would you complain to, and how would you word it?

Link are using hard searches!
But it is supposed to be for intended Lenders. But Link aren't lenders are they?
The problem is, if you raise a complaint, it might be seen as acknowledging the Debt thus restarting the Statute Bar!

I think you should talk to a mortgage advisor

[Still Waving]

The only contact was the doorstep letter as advised above which I sent recently otherwise nothing else.

If I complain about the hard search (they have no reason whatsoever to do this and also did a soft search) will that affect the statute bar? I need to get a mortgage so could do with it off

Who would you complain to, and how would you word it?

[Lola girl]

Typical of Link hard search! They know it lasts 2 years and the intent is to hurt your Credit!

As Always Its better to work from your Diary Entry 5th July 2023

• Type of account: Debenhams C/C
• Date commenced: 15.3.07
• Approx balance: £4,300
• Date last paid: Aug 2018 in full and August 2019 to SC
• Are you on arrangement: No
• Status: Default 28.6.19
• Account owner: Link

CCA request sent 30/7/19 - no response as yet

3/10/19 letter finally received from Link! Sadly Debenhams cannot comply with the CCA request and they have confirmed it’s now unenforceable. Result!!


6/11/19 letter from Link, they need me to contact them to discuss my intentions and set up a payment plan. They remain committed to helping me clear this balance. How nice! Filed.
22/11/19 Link search on credit file - not sure why when they bought the debt in July - maybe checking out what else I owe?!
07/01/20 statement received from Link, confirms my last payment on this debt was 20/08/19
28/02/20 letter from Link letting me know that although they bought this debt on 10th July 2019 they have reached no conclusion with me on how I intend to repay. They are offering me the opportunity to pay them at £40 per month. No thanks, filed and ignored
29/4/20 Email from Link - reminding me that I haven’t replied to their letter and agreed a way forward. It’s a fairly nice email, maybe because they have confirmed it’s unenforceable. Details on how to pay them included.
04/06/20 letter from Link, asking me to get in touch regarding the balance. Filed and ignored.
7/7/20 statement of account received.
21/01/21 statement of account received

21/06/21 - response to my CCA request (from 2 years ago) received. First page containing my signature is pretty illegible. Sent over to Niddy to check over anyway.
uodated....Niddy says illegible and therefore still
20/7/21 statement of account received.
30/12/21letter from Link can I set up a repayment plan. Filed and ignored
05/01/22 statement of account received from Link
5/7/22 statement received - filed
5/3/23 letter from Moorcroft they are now collection on the account
20/4/23 letter from Moorcroft possible further action
4/5/23 letter from Moorcroft they are concerned I haven’t been in touch
1/6/23 letter threatening home visit from Moorcroft - filed
30/6/23 letter from Moorcroft with a name of an individual and a date when they will be attending my property to discuss further!

Link are attempting to BULLY you!
File and ignore ( Your21/06/21 entry explains ALL and LINK clearly know its Illegible ).
I presume you have had no contact with them or made any payments since 20/08/19 ? So another couple of years to go for Statute Bar

The only contact was the doorstep letter as advised above which I sent recently otherwise nothing else.

If I complain about the hard search (they have no reason whatsoever to do this and also did a soft search) will that affect the statute bar? I need to get a mortgage so could do with it off

[Roger]

My letters are from Moorcroft but they say debt is ‘Newday owned by Link’
The hard search says ‘debt collection’ and the soft search says affordability

Typical of Link hard search! They know it lasts 2 years and the intent is to hurt your Credit!

As Always Its better to work from your Diary Entry 5th July 2023

• Type of account: Debenhams C/C
• Date commenced: 15.3.07
• Approx balance: £4,300
• Date last paid: Aug 2018 in full and August 2019 to SC
• Are you on arrangement: No
• Status: Default 28.6.19
• Account owner: Link

CCA request sent 30/7/19 - no response as yet

3/10/19 letter finally received from Link! Sadly Debenhams cannot comply with the CCA request and they have confirmed it’s now unenforceable. Result!!


6/11/19 letter from Link, they need me to contact them to discuss my intentions and set up a payment plan. They remain committed to helping me clear this balance. How nice! Filed.
22/11/19 Link search on credit file - not sure why when they bought the debt in July - maybe checking out what else I owe?!
07/01/20 statement received from Link, confirms my last payment on this debt was 20/08/19
28/02/20 letter from Link letting me know that although they bought this debt on 10th July 2019 they have reached no conclusion with me on how I intend to repay. They are offering me the opportunity to pay them at £40 per month. No thanks, filed and ignored
29/4/20 Email from Link - reminding me that I haven’t replied to their letter and agreed a way forward. It’s a fairly nice email, maybe because they have confirmed it’s unenforceable. Details on how to pay them included.
04/06/20 letter from Link, asking me to get in touch regarding the balance. Filed and ignored.
7/7/20 statement of account received.
21/01/21 statement of account received

21/06/21 - response to my CCA request (from 2 years ago) received. First page containing my signature is pretty illegible. Sent over to Niddy to check over anyway.
uodated....Niddy says illegible and therefore still
20/7/21 statement of account received.
30/12/21letter from Link can I set up a repayment plan. Filed and ignored
05/01/22 statement of account received from Link
5/7/22 statement received - filed
5/3/23 letter from Moorcroft they are now collection on the account
20/4/23 letter from Moorcroft possible further action
4/5/23 letter from Moorcroft they are concerned I haven’t been in touch
1/6/23 letter threatening home visit from Moorcroft - filed
30/6/23 letter from Moorcroft with a name of an individual and a date when they will be attending my property to discuss further!

Link are attempting to BULLY you!
File and ignore ( Your21/06/21 entry explains ALL and LINK clearly know its Illegible ).
I presume you have had no contact with them or made any payments since 20/08/19 ? So another couple of years to go for Statute Bar

[Lola girl]

My understanding is that NewDay are credit card providers, for example they provide the John Lewis Card (the move of JL to them was the reason I cancelled it). Link are debt purchasers so my guess is that Link have bought the debt. Does the hard search say what it is for?

My letters are from Moorcroft but they say debt is ‘Newday owned by Link’
The hard search says ‘debt collection’ and the soft search says affordability

[Pat]

Letter was received saying that had received my letter and cancelled the visit.

Newday is now owned by Link. Link have carried out both a soft and a hard search in September on the same day? Should they do this? Wonder if they are considering further action? After googling it seems they need my written permission to carry out a hard search? I haven’t moved house. Can I dispute this? Need a mortgage next year so don’t need anything else damaging my file!

My understanding is that NewDay are credit card providers, for example they provide the John Lewis Card (the move of JL to them was the reason I cancelled it). Link are debt purchasers so my guess is that Link have bought the debt. Does the hard search say what it is for?

[Lola girl]

Letter was received saying that had received my letter and cancelled the visit.

Newday is now owned by Link. Link have carried out both a soft and a hard search in September on the same day? Should they do this? Wonder if they are considering further action? After googling it seems they need my written permission to carry out a hard search? I haven’t moved house. Can I dispute this? Need a mortgage next year so don’t need anything else damaging my file!

[Still Waving]

Thanks for the letter. I will send recorded tomorrow and hopefully they will get it (and read it!) before the appointment which is only a few days away. I only received their letter today!

if someone does turn up are they likely to speak to my daughter about it or try and enter? I really shouldn’t have to be prepping my young daughter about debt doorstep collectors

They should not speak to anyone else about your account - including your daughter. All she has to say is that you are not in, and close the door. They won't try to enter, they are not bailiffs. If you are not there, as like as not they will just leave a card, asking you to make contact - which you will ignore!!

[Lola girl]

Thanks for the letter. I will send recorded tomorrow and hopefully they will get it (and read it!) before the appointment which is only a few days away. I only received their letter today!

if someone does turn up are they likely to speak to my daughter about it or try and enter? I really shouldn’t have to be prepping my young daughter about debt doorstep collectors

[Still Waving]

Send by post and get a proof of posting for your records.

Bank / DCA Name Address Line 1 Address Line 2 Town/City Postcode

Your Name Address Line 1 Address Line 2 Town/City Postcode

Enter Date

Dear Sirs,

Reference: Enter as appropriate
Please be advised that I will only communicate with you in writing.

I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date.

Should it be your intention to arrange a doorstep visit, please be advised that under the FCA CONC rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you or any representative of yours.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,



Type Name Here

[Pat]

The Tech Clerk Need the doorstep letter please. I’m on my phone

[Pat]

If they even try to discuss anything with your daughter just say GDPR to them. But best course of action would be to ignore the door.

Have you sent them the doorstep letter? It used to work - 30 debts only one visit.

[stuckinarut]

Ok so what do I do about this? I will actually be away on the date given but my teenage daughter will be home. Will they try and discuss or get info from her? Do I actually have to ‘prep’ my child?? They have not given me enough notice to write to them. Bloody nuisance! Do I ring or email them?

Hi Lola girl
Well if you are not going to be home when they pay the visit, just tell your Daughter to ignore the door, if you feel she would be confident enough to speak to them , she can just say sorry not at home now please leave then close the door