Link Financial investigation of assets

[long road]

Hi can anyone help? Yesterday i recieved a letter from Link Financial stating

 

"we have recently, without success, attempted to contact you with regards to your outstanding balance with us of £2351.20. Your refusal to deal with this matter has prompted our office to make an enquiry under the LAND REGISTRATION ACT 2002.

 

you are recorded on the PROPRIETORSHIP REGISTER AT HM LAND REGISTRY as holding a beneficial interest in the property xxxxxx. this means you may have a significant asset, one that can be used to enforce a county court judgement by way of a final charging order."

 

Firstly i dont know who Link Financial are as i have never heard of them/from them before. and secondly i have no idea what this debt relates to.

 

Any suggestions as to what i should do? there seems to be some very good advice and lots of helpful people on here. Ive only just joined today but there are a few things i will be posting over the next few days.

 

cheers

[maroondevo52]

Hello and Welcome, long road.

 

I'd try the 'prove it' letter..................

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, don’t sign the letter.

 

And send recorded.

 

 

 

 

Regards.

 

Scott.

[dcakiller]

I would first of all send them this to find out what debt they are on about.

 

 

Name/Address:

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Do not sign the letter and send it recorded. It is not unusual for a dca to claim they have sent numorus letters in the first letter, this is to try to get you to call them where they can lie and bully you.

Edited September 20, 2009 by dcakiller
typo

[long road]

hey thanks to you both, i will deffo send the letter out tomorrow recorded delivery WITH NO SIGNATURE lol. hopefully a few of the problems i have will be sorted out with the help on here.

 

cheers

[cashins]

you are recorded on the PROPRIETORSHIP REGISTER AT HM LAND REGISTRY as holding a beneficial interest in the property xxxxxx. this means you may have a significant asset, one that can be used to enforce a county court judgement by way of a final charging order."

 

Errrr, land registry will show an interest - there is no possible way it can show a 'beneficial' interest.

 

David

[long road]

your right David lol. cant believe it, not heard from anyone in over 2 years and now this comes through the door when i thought everything was sorted.

 

Lee

[alfwithhair]

Probably never even looked in the Land Registry.

Just Link Farsical's feeble attempt to make you contact them.

Do you own any property, if not you know its bull plop.

If you do, then keep your eye on your credit file for any ccj's appearing without your knowledge

[long road]

the funny thing is i have looked on my experian credit report and it says Link Financial £2351.20 satisfied ????

 

yup alf i do own my property but your right they are probably just clutching at straws.

[angry cat]

Link Financial will have looked at your Equifax Credt file which will show details about your property, that is where they have obtained your property data;

Link Financial, thus will have gone onto the land registry website to confirm the details.

[angry cat]

Please do not worry!

 

Send to Link Financial the letter as referenced above in post number 2.

 

AC

[angry cat]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/162255-link-financial-limited-58.html

 

Post number #1153

 

You are not alone!

 

AC

[jdes26]

link are [EDIT] i cca them and they keep writing letters saying we are looking atn your complaint

find my cca or NO DEBT

Edited September 21, 2009 by Rooster-UK
Language.

[katpuss]

I didn't know you could search the land registry, is it classed as a public record?

 

Sorry jdes26, appreciate you might be wound up but can you please refrain from swearing in your posts, thanks

[cerberusalert]

I didn't know you could search the land registry, is it classed as a public record?

The Land Registry https://www.landregistry.gov.uk/wps/portal/Property_Search will give information such as price paid for property, property prices now, mortgage lender etc.

[katpuss]

The Land Registry Land Registry - Land Registry will give information such as price paid for property, property prices now, mortgage lender etc.

 

Thanks

[angry cat]

Anyone can search the Land Registry for a nominal fee.

 

Also the CRA; Equifax record information about ones property on an individuals Credit File.

[long road]

thank you all for your advice, it makes it a bit less stressful with all your kind help. i have posted the letter off (i think it was the first one in the thread) and i will wait to see what happens, posted it registered as well as suggested.

 

cheeeeers

Lee

[angry cat]

Keep us ALL updated!

 

AC

x

[long road]

i most certaily will, oh on another note......is it too late to claim back my charges from abbey or shabbey as ive seen there called on here from 2002 onwards? ive read a few posts and i have never even thought about it before now.

 

cheers

Lee x

[gezwee]

i most certaily will, oh on another note......is it too late to claim back my charges from abbey or shabbey as ive seen there called on here from 2002 onwards? ive read a few posts and i have never even thought about it before now.

 

cheers

Lee x

 

Never too late, they may not release accounts back that far though - if the bulk of your charges are from that period you can be pretty sure they'll only supply 6 years of data and that'll only come after a mountain of reminders from you

 

Get that SAR in the post as soon as you can, never know it might pay for Christmas (2011)