so with the oc then.

you can use a cheque like you have if you wish.

send it to LLoyds

Responses from Cabot and Capquest attached.

What's my next step here then?

If I am not posting these in the right place please let me know.

Also, haven't had responses from quite a few of them yet.

Is the 12+2 including weekends, or just weekdays?

If I don't get a response what do I do?

Cabot Financial CCA Reqeust Response.pdf

Capquest CCA Request Response.pdf

weekdays. Not weekends.

I fthey dont give you a compliant respons,e you dont do anything. You dont want them to respond.

Thanks.

Do I stop making payments to those who don’t respond within the 12+2 then?

Also, for those who have responded as sbove, do I stop paying them too?

12+2 WORKING days.

as for those letters

usual rubbish they send out when they know they've been rumbled cash cowing people

they only have 12+2 working days

once thats passed you can cease payments

there is nothing you need to reply with should any of the fleecers fail the time limit.

if/when you do get an actual CCA return

start a new thread for that debt

in the named forum of the ORGINAL CREDITOR from the top left main forum tab

and scan the return up to one multipage PDF

So to date - no responses from any of the cash cowers with the exception of the AA Loan, which I have just posted in the other forum.

I have ceased the payments to the relevant ones that haven't yet responded, which is a great feeling I'll make a donation to the site towards the end of this month, as really appreciate the advice here.

One question. For those debts I mentioned earlier in the post that were for overdrafts - what is the best course of action with those?

Should I write to them asking for a final settlement figure, and pay it off once received?

If I do that will it trigger it to stay on my credit history for another 6 years?

Thanks again all.

let the OD accounts run..but you've already stopped paying? good!

any debt that been defaulted will vanish regardless on its 6th birthday never to return

I haven't stopped paying the OD accounts, as was advised earlier in the thread that CCA letters etc didn't apply. So I assume they are enforceable and I should pay them off, as am now in a position to do so? Or is that not the case?

i'd wait and see what the owners of these OD debts do.

you could sar the OC in preparation.

I need some guidance with Link please.

They have 3 of these debts, and cashed the 3 cheques I sent for the CCA request, but have so far failed to send through the CCAs requested or acknowledge the requests.

Today I received letters for all 3 accounts stating that the payments had stopped and to pay immediately or the full amount would become due.

Do I need to send them anything back stating they have banked the cheques and not provided the information requested? Or do I just ignore them?

you ignore the cash cowing LInk.

one of the worst milking parlours

http://www.mirror.co.uk/news/uk-news/boss-of-a-debt-chasing-firm-link-financial-790005

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

Sorry, another question. I had a Barclaycard debt, that was 'assigned' to Link in 2016.

I was checking my credit report and cannot find any reference to the Barclaycard account. However, the account is referenced to Link, with the original account opening date, but the payments only show as being from the date it was assigned to Link in 2016 and is showing as Up to Date rather than the default it was showing with Barclaycard.

Is this correct, and are Link allowed to do this? My other 2 accounts with Link both show as default, which is why I am questioning this one.

I have already cancelled the payments to Link for this account as part of their non response to CCA requests, but wonder if it will now start showing as default on that basis and as a result of that stay on my credit file for 6 years starting now?

so this specific one, theres no defaulted date in the summary?

That's correct - no default date showing in the summary.

It shows the account start date as July 2008 and the payment start date as July 2008. But in the status history it just shows as OK from Oct 2016 when the debt was assigned to Link.

but ofcourse this goes back further and must have been defaulted by BC before the sale to Sink?

That's correct.

Should I query it with the credit reference agencies?

So you have written proof of the BC default?

No, unfortunately not. Just statement of the account at the time the payment plan was agreed, and reference to the date that the agreed monthly payments would start (May 2013).

I have the letter that references the transfer of the account to Link, but that does not mention the arrears or default.

thats not proof a default notice was sent to you

did you not SAR BC as advised +2 months ago

hows this going?