hi jogs i dont think there was. just normal extortionate interest thats why i was lucky and finished this card cheers

hi and yes its a proper credit card i think its issued by barclays on behalf of littlewoods cat. its not a store card, when i cancelled card i had zero balance on it that was in march since then i have moved but never recieved any post from them untill the people who moved into my old house brought letter to me last weekend. when i phoned them they confirmed card had been cancelled by me but still added card insurance and charges for late payment thats why i'm ****ed lol

hi ccm thanks for response i got the feeling i really want to give these people some grief. just a question if you know is it legal for them to be able to reinstate a cancelled card? many thanks

link finance for a debt that had been settled

hi all hope some one can advise me, i had a lpf card aka littlewoods which i paid of in march this year and closed account this week i recieved a letter which states i owe £56 quid for charges these are for credit card protection then a late payment fee total as above i am very annoyed that they seem to be able to resurrect a credit card that has been cancelled and apply charges without me knowing, also not getting in touch with me for nine months. action so far by me phoned lpf call centre (indian) and explained situation they agreed to waver £12 late fee at least that's what i think they said!! i had a right go at them then phoned credit card protection people who denied i ever had got in contact with them and even had the nerve to ask if i still needed the protection for a card which i have not got anymore also to top it all off i have now found out i have another insurance on there which is for £1.05 a month payment protection, didn't ask for that. have since cancelled that as well. ok so it is not a lot of money to some people but it is to me.. and the fact that they can just reinstate my old card without me giving them permission. just dont want to pay them for nothing!! they have really took the mick any advice on how to tackle this will be much appreciated

hi melmumof3, first off dont speak to them on phone they willl say anything to get you to pay you say you have sent them a cca and they say they dont have to comply. i think they are talking rubbish, did you send it registerd post? also dont sign any letters print name( they have learnt to copy and paste) as for this registered debt duno what the heck they are talking about i think they are trying to confuse you they still a have a few more days to go before they run out of time on the cca. no cca no enforceable debt someone else on here might be able to give more advise on charges that they have put on your account hope this helps ..mark

whoops there you go 12 working days to respond to aggreement:D i should read what i copy and paste:o

hi, first off dont speak to these people on the phone they will say anything to secure payment from you second wait for the threatening letter, then you will have an address to write too third send them a cca Re:− With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully dont sign aggreement just print your name in also you must sent a £1 postal order with this and send it recorded. i think they have so many days to respond not sure how many, other people on here will be able to advise you more hope this helps..... mark

hi all update, link have been very quiet latley.. Hmmm i wonder what there up to? anyway have heard of TS and they are going to write to them and ask them to stop harrassing me and also to prove that any debt exists, which should interesting i should also mention that original debt was with first national bank who we had the loan from for the windows . so would i be right in saying, i could ask link for a cca?? if they proceed ( which they will do) cheers mark

hi abby i think the first thing you should do is not panic thats what they want you to do, next thing is dont talk to them on the phone they will say anythink to secure payment i think moorcroft have brought this debt, there are people on here who are vastly more experienced than me with this kind of thing, and im sure sombody will reply shortly just dont panic

thanks docman will do

update just spoke to a very nice person from tradeing standards who agrees with everthing curlben has said. she wants all information, also i think i forgot to mention how asset link got my current address this i told her and she said that is real real wrong, how they did it was they spoke to my wife and pretened to be royal mail said we have a parcel to deliver, do we deliver to old address five year old address or current address well my wife aint very well and she gave this address, and the phone calls and letters started........ cheers mark

hi there again i have emailed councillor with details, im now putting together a letter to tradeing standards iand im not very good at this so here is what i have done so far what do you think? Dear sir/ madam I am writing to you concerning a debt collection agency which is chasing me for money which they say I owe the money is not the dispute but there legal right to demand payment as they haven’t proved anything..IE shown me proof of any debt even through I have constantly asked for it . They have harassed me on the phone and with threatening letters which I have attached for your perusal. these phone calls and threatening letters are affecting my disabled wifes health as she worrys constantly about them . I would also like to mention that I have been in contact with my local councillor ......name whom has taken a interest in my case I have sent a copy of all letters to her aswell what do you think? many thanks mark

thanks for advice will do that

just a little side note i wanna say thanks for all help so far

hi again have just manged to contact tradeing standards had to go through to someone on money advice, anyway she says they cant dispute money involved, but if i send them information IE. letters recived and sent they may be able to help with them hassleing me. To be truthful i dont think they will do a lot seems like they have no bite. so me thinks i will send letters off and wait for next move of those wonderful lovely helpfull people of asset link..... cheers mark

ok will phone Tradeing standards see what they have to say about it. will keep you all posted many thanks

hi me again just thought of somthink else, in all these letters they have sent me they have not provided me with one bit of proof of any debt, how can these companys get away with this? also im going to be moving house soon is it best not to tell them? let them try and find me . i figure that will take them a little while and may cause them a bit of hassle seems like a plan to me cheers again marky1000

hi curybenben and setmefree happy new year to you both i have had a reply to the letter it goes like this i write further to your recent request for a copy of our internal complaint procedure. please find enclosed a summary internal complaint handling procedure and complaint form. completed complaints forms should be sent to aaddress as at top of this letter and marked for attention of complaints manager name .....so that it may be actioned immediatly in closeing ,whilst i do note your concerns and refernce to 2.8j of the guidelines,we had performed the oppropriate searches and had satisfied ourselves that you were the oppropiate my name ....our veritable belief is only called into question as a result of your allegation to the contary.it is not inappropriate for a person to substantiate their own allegations. that aside we are prepared to enter into the sincere diaglouge that you refer to, and we would invite you to do the same. realistically we cannot commence such dialogue untill you confirm that you are,or alternativey are not our customer. i can confirm that any information that you do provide me with will be treated in the stictest confindence,and if you require the return of papers you submit then this is perfectly acceptable if you wish to discuss matter futher please fell free to contact me on........ we look forward to hearing from you ......bet you do thats from a litigation spcialist so its signed they have sent me a copy of there complaint procedure, and it asks me to for my signature twice i wonder why lol also the name has changed to asset link same company many thanks again for any help

setmefree thats funny i wish i could send them a urine sample lol

many thanks again curlyben will keep posting replys thanks again:)

thats what i thought, so im putting the said letter in my you are talking rubbish collection, which is getting bigger:D

hi curlyben and setmefree hope you remeber me, i sent the template letter which you were kind enough to give to me to link since then i have had two letter back one basically demanding payment or they will go to court (please do) and another one this morning . it reads we write further to your recent correspondance the contents which are noted to enable us to elimante you from our enquires,in the event that this is a simple case of mistaken identiy we requie 6 sample signitures from you.3 must be off official documention .IE driveing licence or bank /store card and also please confirm your address in 1994 we look forward to hearing from you within 14 days of course i wont give them anythink but some advice would be much appriciated ps also the amount has changed again from £841 to 364 very odd!!

setmefree and curlyben many thanks will send them letter:D

hi all need help, and i think im in the wrong thread but seem to be missing some bits of the page strange. anyway back to problem im having with link finace i recieved a phone call out the blue from this company saying i owe them some money for a window which i had fitted in 1994.from saint helens glass story goes like this i did have the window fitted and from saint helens glass in 2002, i got in to difficulty paying for this as i lost my job my account was passed to those lovely people at intrum justia. i then had no option but to sell my house as i was very close to losing it. so i got in touch with all my creditors including intrim justia and asked them for a full and finale settlment which was £995. then my house sale fell through, and had to wait another six weeks for it to sell, so again phoned intim justitia and with some haggling they excepted £800 in full settlement last thing i heard of them... we move swiftly on to 2007 when i recieve a phone call from very nice people from link finance who say to me i owe them money now:roll: for the same windows. i phoned intrim justia and asked them what they were playing at and they tried to give me some rubbish about i should have paid the £995 i did have proof but all i have now is a bank statement which shows the payment made to intrim justia of £800 pounds in 2002. link have gone from saying that i i owe them £395 to £841 in one afternoon strange that. ok action so far by me, is i went to cab who told me to fight it all way cab also said have they showed me proof of debt they havent so thats basicaly it i keep getting phone calls, and i keep asking them for proof i that i owe them anythink which i dont please help many thanks