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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?

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    • #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.

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      • #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.

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        • #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

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          • #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

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