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About wotabunny

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  1. Hi I don't think you have a problem. If it is over six years since the default date of the debt and you have not in the meantime agreed that you owe them money the debt is unenforceble and if they pursue you could complain to the Office of Fair trading. Pursuing this type of debt the Office of Fair trading has ruled UNFAIR and if they persist they could lose the right to trade in financial matters. In any correspondance you should deny the debt or the six years runs from when you last acknowledge the debt. If you are worried send this letter to Link quoting any references they
  2. Hi Manc Looks beaut to me. If you send them money my gut instinct is that you should say. "I do not acknowledge any debt to you however as gesture of goodwill I am sending you £1.00 a month for the time being." They then cannot say you acknowledged the debt by paying them £1.00 month. If I am wrong can other people looking at this thread correct me Yours wotabunny
  3. Hi Roysta I think other people can advise you better than me. I suggest you post your request for help on the other threads with Link or MBNA in the name. Hopefully someone who really knows will help you. If nobody helps you in time come back to me and I'll give you my opinion but I am not legally qualified!! Wotabunny
  4. Hi Manc You need to read the postings on MBNA - LINK FINANCIAL as well. Some people who seem to know a lot more than me say I'm talking a load of rubbish - I suggest you ask advice from them.
  5. Hi, I'm pleased my experience is not the norm. Yep you choose the court but unless you are told otherwise you choose your local court and that doesnt mean your choice will give you justice. I'm now wishing I had chosen Hull. Anyway I'll leave you experts to advise and keep my mouth shut from now on..
  6. Talk to the National Debt helpline to quote a lady there. Without an agreement it is unenforceable but up and down the country judges are ignoring that!
  7. Link may not decide where a court case is held but as their barrister said to me -she is in court for them 4 times a week - they get to know the judges and could possibly plan their tactics accordingly. I could be wrong!
  8. Hi Manc You are on dangerous ground - I would resume your payments with a note that saying you do not acknowledge this is an legally enforceable debt but in case a court should rule that it is you are resuming your payments (and pay any arrears). Link have a new wheeze as they are not the creditor (only they have an interest in the debt ) they do not have to provide a CCA. This may?????? be legally correct but it is quite ludicrous. Its like me saying the prime minister owes me a £1m and I sell you an interest in the debt - you then sue the prime minister but you tell the court
  9. Hi Folks This is how I think Links works. 1/ Firstly you should know they are one of the biggest and most successful debt collection companies in europe. 2/ Some say the reason they are so successful is that they are super efficient and always treat the debtor with sympathy and care.(what a joke!!!) If you read some of the pages on this site you might think somewhat differently. (and HOW!!) 3/ This super efficient company (another joke!!!)has been known to buy MBNA debts and then not pursue them for a number of years ( but under 6 years!!!) The logic behind this i
  10. Where would I find the Mccartney - dti letter?
  11. Hi Rhia - where would I find the Ian Mcartney - dti letter - it would be most useful cos I'm in court with link next week
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