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  • #31
    Originally posted by Roger View Post
    Link would of course say that!

    Account Owner? Link
    Link are a Group of Companies! Look back at their letters and find exactly which Link Company was Assigned this Debt! Not necessarily the Link Company writing to you!
    NB Not all of the Link Companies have FCA authority.
    Many thanks for your response. It is Link Financial Outsourcing Limited that are currently writing to me. The CRAs just have it showing as Link Financial Mbna (I) or Link Financial. I only have very recent letters from them as I chucked all of my paperwork in a decluttering phase. I don't have the letter of assignment. Is it something that I should request from them?

    Comment


    • #32
      Originally posted by rubywisp

      Many thanks for your response. It is Link Financial Outsourcing Limited that are currently writing to me. The CRAs just have it showing as Link Financial Mbna (I) or Link Financial. I only have very recent letters from them as I chucked all of my paperwork in a decluttering phase. I don't have the letter of assignment. Is it something that I should request from them?
      At this stage don't ask anything from them!
      Following a CCA the best answer is silence!


      They will soon write in which case post details in your Diary!

      In their letters they will often include a phrase such as ".. previously owned by Asset Link Capital (N01) Limited is being serviced by Link Financial Outsourcing Ltd .."
      In this example Asset Link Capital (No1) Limited - That Company isn't NOT Authorised by FCA .

      You need from now on to keep and file letters as well as making Notes of Phone Calls, Txt's letters etc Silence to all of these!

      Details such as the Debt Owner are important for your NOTES.

      Comment


      • #33
        Originally posted by Roger View Post

        At this stage don't ask anything from them!
        Following a CCA the best answer is silence!


        They will soon write in which case post details in your Diary!

        In their letters they will often include a phrase such as ".. previously owned by Asset Link Capital (N01) Limited is being serviced by Link Financial Outsourcing Ltd .."
        In this example Asset Link Capital (No1) Limited - That Company isn't NOT Authorised by FCA .

        You need from now on to keep and file letters as well as making Notes of Phone Calls, Txt's letters etc Silence to all of these!

        Details such as the Debt Owner are important for your NOTES.
        Thank you Roger. I really appreciate your response.

        Comment


        • #34
          Just as others have said, As tempting as it may be, Don't ask them for anything more just yet. You may find that you have a situation that will help you win the day here, You wouldn't want to go upsetting that - Silence is indeed golden - Take it from me

          Send the CCA reply to Niddy as suggested

          The email of 18th September you refer to - Is that a CCA send to Niddy? ( I have not read back yet to clarify)

          He is extremely busy with work at the minute and a volunteer here, The same as anyone here so naturally will take a bit of time to come back to you ( I know you appreciate this - Just saying)

          As long as its not pressing ( Imminent legal action etc) wait a few more days and then just send a brief polite reminder email, He wont mind as its easy to miss something when your dealing with 100's of emails a day

          Your doing great

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • #35
            Thank you. My email was ref a letter to say that barclays staff loans don't need to send me a cca together with my application. They haven't even contacted me yet re my missed payment on the 1st. I'll expect a letter but nothing is going to happen for ages yet. I won't trouble him. thanks

            Comment


            • #36
              Any updates on your debts?

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • #37
                Originally posted by Diana Mayhew View Post
                Any updates on your debts?

                Di
                Barclays Staff Loan
                • Type of account Loan
                • Date commenced January 2011
                • Approx balance £1968
                • Date last paid via self managed DMP September 2019
                • Are you on arrangement or not paying On an arrangement
                • Status (default/in arrears/up-to-date) Interestingly Staff loans say that the account was defaulted some time in December 2013 but this account has never appeared on any of the credit reference agencies
                • Account owner (who is writing to you, a DCA or the lender) Lender
                3rd September 2019 I have sent a GDPR request as advised Barclays to see what information they hold on me in relation to the default. Will do a CCA in due course.

                8th September 2019 S77/78 CCA Request sent

                18 September 2019 letter received from Barclays recoveries stating that they do not need to send me a signed original form of the agreement. Sent me a copy of the direct debit form and a signed copy of a "fixed sum loan agreement regulated by the consumer credit act 1974“ sent to Niddy

                16 December 2019 letter received from Barclays saying that they are passing my account to moorfcroft. Letter filed


                Hi Diana

                I'd heard nothing on the debts until today when I received a letter from Barclays saying that they had passed my account to moorcroft to handle.

                Still nothing from the debt with link which falls off in July 2020

                Comment


                • #38
                  Moorcroft hopeful collection only agents, sit tight
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • #39
                    Originally posted by rubywisp View Post

                    Barclays Staff Loan
                    • Type of account Loan
                    • Date commenced January 2011
                    • Approx balance £1968
                    • Date last paid via self managed DMP September 2019
                    • Are you on arrangement or not paying On an arrangement
                    • Status (default/in arrears/up-to-date) Interestingly Staff loans say that the account was defaulted some time in December 2013 but this account has never appeared on any of the credit reference agencies
                    • Account owner (who is writing to you, a DCA or the lender) Lender
                    3rd September 2019 I have sent a GDPR request as advised Barclays to see what information they hold on me in relation to the default. Will do a CCA in due course.

                    8th September 2019 S77/78 CCA Request sent

                    18 September 2019 letter received from Barclays recoveries stating that they do not need to send me a signed original form of the agreement. Sent me a copy of the direct debit form and a signed copy of a "fixed sum loan agreement regulated by the consumer credit act 1974“ sent to Niddy

                    16 December 2019 letter received from Barclays saying that they are passing my account to moorfcroft. Letter filed


                    Hi Diana

                    I'd heard nothing on the debts until today when I received a letter from Barclays saying that they had passed my account to moorcroft to handle.

                    What was Niddy's verdict on the credit agreement you sent to him?

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • #40
                      He stated that it was enforceable

                      Comment


                      • #41
                        So the agreement may be enforceable, If it is that's certainly not the end - Some of my agreements were enforceable - But I never paid them a penny and they are well past the SB Post now

                        The agreement is only a part of the whole picture and any claim or litigation could fall down on several other factors should it ever get this far - Many don't

                        They have appointed Moorcroft to act as collection agents - Personally I see that as good news

                        This is all about playing the game now and responding correctly

                        As and when you get any contact from Moorcroft, post up and we will get you sorted - Your doing great
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • #42
                          Thanks to this group I'm not scared of them anymore. I'm just filing their missives until I get one that is actually something worth responding to. I'll keep updating this post with anything that arrives.

                          Comment


                          • #43
                            Originally posted by rubywisp View Post
                            Thanks to this group I'm not scared of them anymore.
                            And that is what AAD is all about - Getting you back in control and the balance of power back with you

                            You have got that just right, post up if you receive anything that feels like it needs a reply or is threatening etc - If in doubt ask - We have all been there

                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • #44
                              10 January 2020 letter from moorcroft offering monthly payments. Will file.

                              Comment


                              • #45
                                Barclays Staff Loan
                                • Type of account Loan
                                • Date commenced January 2011
                                • Approx balance £1968
                                • Date last paid via self managed DMP September 2019
                                • Are you on arrangement or not paying On an arrangement
                                • Status (default/in arrears/up-to-date) Interestingly Staff loans say that the account was defaulted some time in December 2013 but this account has never appeared on any of the credit reference agencies
                                • Account owner (who is writing to you, a DCA or the lender) Lender
                                3rd September 2019 I have sent a GDPR request as advised Barclays to see what information they hold on me in relation to the default. Will do a CCA in due course.

                                8th September 2019 S77/78 CCA Request sent

                                18 September 2019 letter received from Barclays recoveries stating that they do not need to send me a signed original form of the agreement. Sent me a copyI of the direct debit form and a signed copy of a "fixed sum loan agreement regulated by the consumer credit act 1974“ sent to Niddy. sadly he has stated that it is enforceable

                                16 December 2019 account passed to Moor croft to manage. Letter filed.

                                27 December 2019 letter from moorcroft wanting a repayment plan. Filed

                                10 January 2020 letter from moorcroft offering monthly payments. Will file.

                                22 January 2020 Letter from moorcroft offering a partial settlement - sum that would be acceptable is not mentioned. Will file.

                                Comment

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