shows what a pathetic company there are these days.

Am I to ignore?! They are in default of my cca request since July too

Of course

Dx just a weird letter to do with this link charge.will inbox you it now. Can you hide my details please.

Is there anyway I can fight this?

Doesn’t look too kosher to me

here

The thing that concerns me is the 14days was up yesterday. I’ve been away so only got home yesterday. So opened it then.

What do I need to do

Draft letter to go to kearns. Have I covered everything

Dear Sir/Madam,

I write in response to your letter dated on the 30th April. I can confirm I am aware an account was sold to Assent Link Capital (No 5) Limited (“ALC5”) and Link Financial Outsourcing (“Link”) we’re appointed to manage the account.

With regards to the application to the High Court of Justice I would like to clarify a few points.

On the 19/07/2016 I sent a CCA request to Asset Link.

On the 22/07/2016 I received a response stating it could take up to 30 days to provide the CCA.

Then on the 31/08/2016 I received a cheque back for £1.00 with a letter stating that the original creditor was unable to comply with my request.

Due to this fact I cannot understand how you apply to the courts to have your name substituted on the order.

I would like you to prove that assignment was done legally.

I would also like you to provide a copy of the application dated 17/01/2018 as well as the witness evidence of Lee Micheal O’Sullivan and Hitesh Shah.

I object to any Order being made due the facts set out above.

nothing you need to do or send

its simply a change of claimant notification.

changes nothing from your perspective

Will the new claimant now own the equitable charge?

That Lloyds originally had that no one has a copy of.

No credit agreement has been provided of this old loan either

anything Lloyds is now LInks

You mentioned above to challenge it if we can

Annual statement received off these.

But still no claimant change at LR post 82 re letter.

I thought that didnÂ’t look to kosher when I received it

HereÂ’s the letter from May

Link.pdf

Just had this letter off link.

Can you help re judgement was originally with Lloyds around 2006 nothing paid at all towards it

Link are still not on deeds even after recieving the court form in post 90 I said didn’t look too kosher.

Link have had since 2016 to provide CCA . This is when they bought debt.

As for instructing solictors how can this get to court? CCJ is now 13 years old. Lloyds didn’t collect or take it further than an equitable charge on Lr

Link.pdf

Too late for all that now plink!!

What is the point of the last 2 letters from them then??

Exactly the same as any dca letter..

To sc@m you out of money

Nothing else a dca ever does..

Ok thanks.

Do I need to write back to them

I wouldn't give them that satisfaction no

Ok cheers just wanted to check with you

Link can quite easily make application to enforce the judgment by requesting permission to enforce after 6 years...they would need good reason..but possibly wouldn't be successful..but is possible.

An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies.

However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

Andy

Can they do that when they have not provided a cca for 3 years??

Lloyds didn’t have one in the sar either.

Yes....CCJ trumps the CCA request.

Agreements are not included in a DSAR...thats why we have section 77/78/79

There was no docs from Lloyd’s SAR relating to any CCJ.

Brighton court don’t own a copy

Neither do my local court

Or the land registry

and neither have link had their name substituted on Lr equitable charge

Sorry I just posted the above but didn’t realise my girlfriend was logged into to her account on my iPad.

There was no docs from Lloyd’s SAR relating to any CCJ.

 

Brighton court don’t own a copy

Neither do my local court

Or the land registry

 

and neither have link had their name substituted on Lr equitable charge

There wont be ...the DSAR ends on termination of the agreement....CCJs are post agreement.

Have you tried Northampton CCBC.....did you defend the CCJ ?

Land Registry do not keep details of judgments/CCJs....only charging orders connected to CCJ/Vcs

They can update their name anytime they wish...no need to update it to enforce the judgment.