Hi all.

I had been in dispute with Co-Op Financial since 2007

as they could not produce a prpoer credit Agreement.

At the time, the debt was £2300

.I have seen them off over the years, along with about 15 collection agents.

They finally sold the debt to Link Financial and along with all the overdue charges and interest,

the debt is now over £6000.

I nave not paid anything since 2007 and in that time never acknowledged the debt,

I assumed it would be Statute Barred in December 2013.

Link now tell me that the Co-op didnt default till October 2012, so not SB till October 2018!!!

How can they default 5 years after last payment?

Doesn't matter one jot.

If your last payment or written acknowledgement was in 07 then laugh at their foolish puerile attempts at defrauding you.

I'd inform them that if they are willing to exploit a debtors lack of knowledge and commit fraud, then you will gladly make the relevant authorities aware of their practices, and request their CCL be removed.

Have they told you this in writing?

Link Farcical have my Co-op CC too, not heard a peep out of them for ages?????????

Hi Baz,

Have a letter winging its way to them demanding that they remove listing or I will report them.

They also sent me someone elses details amongst the dross they previously sent me.Have informed them thaat this will alsso be reported.

SAR to COOP incase they have any info on the account and can confirm when the default notice was sent.

Please see attached in relation to defaulting.

Page 6 & 7....

high_level_prinicples_document_final.pdf

They also sent me someone elses details amongst the dross they previously sent me.Have informed them thaat this will alsso be reported.

ICO would like that......help them along their way, rattle your cage and send you someone elses info, only right to make trouble for them...DWP did the same to me, and by jove they were very quick to stop me from reporting them to the ICO, so much so, that one of their goons knocked my door demanding the 'incriminating' evidence back........and no he didn't get it.