Its like you have all gone against me and in previous threads i have advised i can not come on here everyday and with all the posts i sometimes find it very confusing to answer all of the questions. As for not having a Brain. Thank you for that i really appreciate that very mature. This will be my last message as i thought i was helping which you have all decided that i am hindering and that was not my aim when i first came across this thread. Good Luck it seems it has not been on your side for a while

This is business and people should remember that. For whatever reason you have spent money you do morally owe the money back and if you can sleep with that on your mind then why shouldn't the account officer be able to do that to. You may think they use bullying tactics then you are avoiding paying your debt that is just as bad. Yes most credit companies were wrong for giving credit in the first place and thats why the country is in the problems it is in but that is another debate. If you all have a great disliking for DCA link or others then pay the company who was originally owed to the money will get to the company who are owners or others eventually just remember to keep your proof. As for the post cards does it say Link Financial or just link? If Just link in the big blue letters then that is not giving away your personal business away.

Yes i believe so. It will only not be chased if someone will take the time to read your account details and look into your history of accounts and since they have proven not to be doing that so far i think the game of cat and chase will continue for a while.

The office of fair trading have been to vist many times and there is nothing to be done i am sorry

As for pretending to be his friend it is a trick used by most intelligent DCA or others this is because they are trying not to give themselves up as the DCA? If you have written to Link or any other company saying YOU ONCE DID owe money but it was out of statue then they will play this card as you acknowledging the debt and push for further action. To be honest they will stop at nothing to get this money back it is highly unlikely they are going to let it drop. The best advise for you if you are not going to pay this is not acknowledge the debt at all either verbally or written as they will continue till they get the money . It is hard i know but most people working for dca will stop at nothing to get there money it is after all there commission they are after mostly and then everything comes second. If you get a account officer who is being particular rude you feel then do not take the bait tell them that you want to sort this out but with there tone and aggression they will not be able to sort this out and get there PAYMENT PLAN. There payment plans are what count towards there commission. and again i did not want to seem as though i was taking away from the discussion openly i just dont seem to get time to get on here often and i would like to help as much as i can. If your debt is in realtion to GE MONEY then i will find it hard to help you as i think that alot of that work is done in another of the offices not the one i was previously working in

Sorry i did not know of this rule i am not trying to trick anyone or get anyone into any trouble. When was the last time your husband made a payment on thee account in question? Was this payment to link or the company that originally owned the account?

Wow i am not even sure where to start. Please feel free to email me on selina EDITED with any questions and i will try my best to answer them

Dear Big Dunc As for naming someone David that was not what i was referring too someone in a earlier feed named someone in full name which i consider to be wrong. You are right that sometimes some things in people's life can go wrong as you have stated and i do feel sorry for these people and as an account officer i would have been willing to listen to these and try and understand them as best as i could. I am sorry that David told you to sort your life out as this is wrong clearly from your point of view you are trying to sort the debt that you have out. When i said that people were happy to spend the money i didn't mean to say they were all walking about in designer clothes or cars or such things. I meant that whatever the money was spent on people were happy to spend it and if you hadnt of used the card to start with for whatever reason then you wouldn't have to deal with companies like these. What people learn from obtaining credit is you are not living within your means and that is a great lesson to learn and a hard one for many too. I am sure that people who end up clearing there debt become stronger people in the end too. As for the payment slips ask Link for there account number and sort code and obtain a receipt for the payment and also remember the account reference on it and your payment will take 5 to 7 days to be credited to your account

I Want to say that i used to work for Link Financial. I am sorry that you all feel so negatively towards the company as it stands it is a shame to hear. Maybe some tatics of account officers are a bit aggressive but that also says something that Link are one of thee biggest DCA in the country with two offices in UK and another in Europe. As far as it goes with paying £5 pound per month for the money that you spent why not it is your moral obligation to pay back that money that you were happy to spend at the time. For the people that were finding it hard to make a payment plan with Link then i would say persist as this is acceptable as long as you provide them details of you income and expenditure. Of course what company wouldnt like all of there money back and that is a line that all account officers are told to go for when they first make contact with the customer so dont expect that to change. I would like to say that none of you are blameless and naming people on a forum where they are not here to reply is not on and you should not be able to do that. They will not provide you with a payment booklet until you have shown commitment to thee account by making payments and then they may not be of any use to you as they bank with BOS i believe this is the case still. And for anyone that wants to know i left because i had a baby and child care in London where i live is too expensive for me to go back.