attachments LINK DOCS.pdf

Thanks for the comments so far! No, no credit limit given just that "We will determine your credit limit from time to time and give you notice of it" I think they have bought the debt but not sure - they sent a letter headed "sale of your debt" and carried on to say that GE had assigned to them the benefit of the debt owed. They have also kindly informed me that I have incurred a trace charge of £75, but other than letters asking for payment now and specimen signatures, have had no notice of defaults or anything (not to say that they haven't done that anyway). I attach here all the correspondence between Link and myself in date order so you can see what I mean! I also have not received the requested statement of account etc etc that I asked for. Do I write and say "oi, still not complied" or have they done enough now? Personally I think they are still trying it on a bit, although the fact they produced signed application form and the tone of their last letter makes it look like they might have full file, just being difficult and trying to ignore my CCA request as haven't sent them the 6 specimen signatures they wanted!

Attachments... Link letter 09042009.pdf

Hi! Sometime ago, I sent Link a CCA request, which they refused, and then i sent a dispute letter on the 10th February 2009. Yesterday I received the attached documents - a letter and what looks like an application form (although it is signed by me and creditor). Is this enforceable? Have they complied with my request now? All opinions very gratefully recevied - with many thanks, CAGNewbie

Hi! The situation is that I owe HSBC approx 20,000 unsecured managed loan, and various other companies smaller amounts (around the 300 mark). Most of these I am paying off, but owing to HSBC shutting my accounts and me asking for SAR etc not been paying HSBC for 3 months now. They have said nothing, just letters to say getting my requested paperwork togther etc. My questions is, given that I am renting, have no assets to speak of, earn around 1000 a month and am pregnant, will they try to make me bankrupt? Or can I push to repay over 5 years which I can (just) afford? And this debt was incurred purely by me, in my maiden name - will they make new hubbie bankrupt too, or is it personal? All advice gratefully received - do not need the stress right now!

Had the following from LINK turn up today (no scanner here so copying verbatim) QUOTE We acknowledge receipt of your letter dated the 27th January 2009, the contents of which have been noted. Whilst we appreciate your concerns and apprehension at providing specimen signatures and confirmation of your date of birth, these are requested to protect your interests not our own. Due to the account being with a Trace Agent we have to be absolutely sure that your the (name removed) who signed the credit agreement. Upon perusal of the details in our previous letter you would know if you had indeed signed for the issue of a XXX store card, and also if the postal location at that time was familiar to you. We required an official copy document which shows your signature and date of birth to resolve this matter, if nothing is received we can only assume you are the signatory on the agreement and recovery procedures will continue. Please note any information sent previously, was sent before you advised us that the agreement in question was not known to you. Yours END QUOTE What? So they are not giving me my CCA as won't give them signatues, but will continue and take me to court?! The account is in dispute now as the 12 + 2 days are well up now. So - do I write and tell them it's in dispute? and how do I respond to the above pile of whatsit?! (politely, that is...!)

Had the following from LINK turn up today (no scanner here so copying verbatim) QUOTE We acknowledge receipt of your letter dated the 27th January 2009, the contents of which have been noted. Whilst we appreciate your concerns and apprehension at providing specimen signatures and confirmation of your date of birth, these are requested to protect your interests not our own. Due to the account being with a Trace Agent we have to be absolutely sure that your the (name removed) who signed the credit agreement. Upon perusal of the details in our previous letter you would know if you had indeed signed for the issue of a XXX store card, and also if the postal location at that time was familiar to you. We required an official copy document which shows your signature and date of birth to resolve this matter, if nothing is received we can only assume you are the signatory on the agreement and recovery procedures will continue. Please note any information sent previously, was sent before you advised us that the agreement in question was not known to you. Yours END QUOTE What? So they are not giving me my CCA as won't give them signatues, but will continue and take me to court?! The account is in dispute now as the 12 + 2 days are well up now. So - do I write and tell them it's in dispute? and how do I respond to the above pile of whatsit?! (politely, that is...!)

Thanks for this - will send it today. Had a feeling they were trying it on again. Sorry didn't get the letter up - snow intervened and couldn't get to scanner! Will put it up today (just to keep it all together and tidy!) Had a thought (scary, I know!) - am SARing for managed loan, original bank account, original credit card and original loan(s) - will I be able to try to reclaim any charges/PPI on the originals despite the fact that they were closed and put into the managed loan? Think I will, but confirmation would be appreciated! Thanks to all....

Ah! That good a bank! Forgive my naivety.... Will shortly be doing the same with them - OH opening other bank account today so will be free from Abbey... Of course, will be stuck with someone else but we know more now and hopefully won't get taken for a ride too often with new bank! bring back a barter society...!

But even if I ignore the cheque, pretend that was never paid in, there were still cleared funds in there! They surely can't bounce a DD and charge for it if the money is in the account, clear and ready to use, just cos they feel like it!!! That seems a little harsh (even for Abbey!)

Hi all! Am currently looking for advice re Abbey - having a nightmare with them! My OH has an current account with them - no overdraft just simple debit card etc. They are looking to charge OH in excess of 200 quid this month alone (bounced DD's etc), mainly 35 quid a time, some at 25 and some at 5.00. EH? Why all different? Am planning on trying to get charges refunded - will do some research first though. But before we start the big one, have a small issue currently to deal with that I don't understand. They have charged OH £35 for a returned DD of approx £40. this is despite - according to the latest statement - having cleared funds of more than twice that in the account. (a cheque had been paid in 2 days previously, but despite taking that away, I still get cleared funds showing when subtract all transactions from the amount in his account!) Why else would they return a DD? Can I just go steaming in and demand answers on this one? All advice v gratefully received!

Well, on day 11 (counting from day after signed for receipt of CCA and SAR) I have received a letter from HSBC. I will post it up in a bit when can get to scanner. But in brief: the letter says has been passed to Data Protection Compliance team in Canada Square. Before a search begins, they want to establish who I am as letter was not signed, only printed. So they have enclosed an application form that they want me to fill in and return, with a non-refundable admin fee. They kindly point out that a full search will deliver everything to me including often repetitive print outs etc that may not answer my queries (implied - tax my little brain too much) so suggest I might prefer to request specific info from my local branch, help from the account manager etc and that they might waive the fee if I do this. If I want everything, and they can't prove who I am from records, they may ask me to go to branch with ID. Can they do this? I thought that with £10 and standard SAR letter (am assuming it is this, not the CCA via Metropolitan whom still heard nothing from) they had to give me my stuff, not delay and ask me to fill in forms and pay them a non-refundable fee! Or is this a standard letter sent to all who ask for info?(the fee they want is £10) Do I have to fill in the form? What do I reply to them? (other than to repeat in words of one syllable that I want everything, that's why I asked for it all!) And what do I do re CCA request? Thanks to all!!!!

I too have/had a managed loan with this bunch of shysters. It was sold to me over the phone when clearly distressed (was depressed, had been made redundant from good job and scraping by on pittance, rang them in tears as wanted to arrange lower repayments over longer term). I was NOT told about interest - indeed was told was lower than internal! They were aggressive, I accepted payments that still took more than 1/4 of my wages each month due to this, threatened with unspecified but BAD consequences if failed to make payments. I lost all my privileges (not even a cash card, let alone a debit card) and credit destroyed instantly(admittedly destruction since aided by own disatrous head-in-sand panic over all things financial). I have been paying for last 2 years. Missed 2 payments early on, but they did not do anything, just warned me that I had to keep paying, that if ever missed up to three payments would cause consequences, so i kept paying. rang last month to say "other bank mucked up, payment will be late, but coming, oh and here new address (forgot to notify when moved in June)" only to be told had all been closed and sent to Metro! NEVER had review, still don't know how much it stands at now (was a scary large amount around 20,000 when ML happened - overdraft, c/card consolidation, loan) The Lovely lady at HSBC refused to tell me when it was closed, refused to say amounts, refused to tell me where my payments had therefore been going, just gave me Metro's phone number. Am now not as depressed (angry not crying), and have just SAR'd them and CCA'd Metro. (all on other thread for those who interested - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178140-please-please-help-urgent.html). Will gladly sign anything I can to highlight what a bunch of complete !!!!!! these people are, and quite what a legalised theft these loans are (in my own personal opinion)

Well, today is the 12th working day after they received my request (as per Post Office track and trace), and so far no sign of a CCA (although given the weather, the postie may not have made it through as yet!). IF there is nothing when I check this evening, do I assume they cannot find anything? Or just that they are very slow?! Is the account officially in dispute as of today, and do I tell them this? Do I just wait until the 30 working days are up?!

Thanks! Have sent it off, all recorded etc! will see what happens...

whoops - forgot to attach.... hope that this is legible... LINK DOCS.pdf

Hi all - sorry if this is wrong, I began this story in another area, so trying again here in hope that have got the right place! This story begins back just before Christmas when Link sent me two letters, arriving on the same day. I had seen this site so I sent a CCA request in January (recorded delivery). In the cross-over they sent another letter re my non-contact, and then another acknowledging my letter and asking for driving licence, 6 signatures, old address, full name, date of birth...might as well have asked my to provide them with a full data file on myself, down to and including favourite colour and most embarrassing moment!!! I (thanks to wonderful people here) sent them the "not sending you my signatures" letter, again signed for delivery thing. The advice I am looking for is not so much what next - will wait to see what they do first, but rather refers to the first two letters. In these it mentions defaults - I have not received any notices of these. It also asks for full payment - no mention is made of possible installments. The second letter refers to Trace Charges of 75 quid, and to default sums in another default sums notice. I have not had another default sums notice, and are they allowed to actually charge me the trace fee? And what can I do about any of this (other than CCA which is happening at present)?! Please advise - am really not sure what they are allowed to do on my account and charge me for, and what they will try to do as a result of banking on my lack of knowledge!

Ok - movement on this one! Sent a CCA to Link Financial on 15th January re a GE storecard. They have replied (dated 21st, received on 24th) but not happy with their response. They say.. "We acknowledge receipt of your letter dated 10th January 2009 and the £1.00 fee enclosed. Due to the fact that the above account has been with a Trace Agency, to prevent us sending you, due to an incorrect trace, a 3rd parties details and therefore breaking the Data Protection Act, please would you peruse the following details. The agreement relates to the issue of a Monsoon Stoe Card issued on the 11th August 2002, provided by GE Capital Bank Ltd. The address quoted on the agreement was London XXX, can you confirm if this address is a previous address. Please can you send us your full name and date of birth together with a copy of an official signature eg passport or driving licence, we also require a blank sheet of paper with 6 specimen signatures on, these will be compared to the signed agreement and if they are compatible we will send you a copy of the agreement immediately. We hope the above information has clarified matters and you recall the debt in questions, if not we look forward to receiving the above information at your earliest convenience to enable us to resolve this matter quickly and amicably. Yours faithfully, XXXXX Litigation Officer" SO: The postcode they have given has only the first part there (SE?) - I did live in SE london at a postcode similar, but mine was SE??. They can't have a copy of the driving licence or passport - I have since married and the signatures are different! Why should I send them six signatures on blank paper - I mean they have already said want passport or similar so why do they want six specimen signatures? If they are so worried about Data Protection, why have they sent me details of a debt owed, given the account number and threatened further action if I do not pay them, if they are not confident I am the person owing the debt? Also, they said that they had applied a £75 tracing charge - do I wait for the statement of the account that I also requested with the CCA or do I say something now? And will the statement show any other charges that shouldn't have been applied or do I need SAR for that? So what do I do - obviously the clock is still ticking on the CCA request. Do I confirm full name and date of birth? Do I send them anything? Does anyone have a link to a letter that answers this type of thing? (Am guessing is a standard response - douby I merit personal attention!) All opinions and help are most gratefully received!!!

That sounds like fun - would like to make them squirm! The CCA and the SAR were officially delivered by Post Office on Tuesday - printed off the delivery confirmation from the website - so I know that they now have the requests and the clock is ticking... Of course they also have my address now (not that it was a secret, every other EDITED WORD seemed to find it with no problems....!) so am expecting the odd call/letter as well. Right - first step taken, waiting to see what next...

Cheers! Will do the CCA thing - do I have to put in "I do not acknowledge any debt" given that I have been paying said debt for past 2 months? (and will be making next installment just in case) Will see how it goes. Oh, the 12+2 - am assuming that is "working days"?! Thanks!

I have recently been dealing with Robinson Way - arranged to pay them 75 a month towards 1500ish cc debt to Lloyds. (arranged before I found this site and when feeling feeble!). My question is, if I CCA them now, does it matter and will they get even more unpleasant? (if they can find CCA that is!) The card (if the one I am thinking of) is ages old - from around 1997 ish, but was paying it regularly, if minimally, until 2006ish when all went wrong. If I do CCA them, do I keep paying until I find out if they do/don't have the CCA signed and correct? And if they do, can I keep paying what I agreed or will they turn stroppy?

seems like HSBC and Metropolitan are an unhelpful and unpleasant bunch! Have sent of my two bits and pieces - so waiting 42 and 14 days for the SAR and CCA respectively (think those are right - when include postage time). Am getting very nervous about possible/probable responses, and have no means currently to try to maintain payments as before - and besides if they have closed the account anyway... Means I miss January and February (just - used to be due on 8th) but if I am querying it anyway with CCA/SAR does this matter? Does a dispute only happen when the time limit is up, or from when they receive the letter and PO? trying to convince myself that whatever happens it is better than not knowing at all. (this works until late at night when what remains of my brain kindly refuses to shut down!!)

Dear all, Not sure can do anything about this - if I can please let me know what! Thanks to Bank and Student loans now have nothing to live on. I am on a payment scheme to repay students loans - 200 per month, last payment due in march. So far, so good. BUT, they sent me letters saying had gone into arrears, complained to bank who said had paid it, and then student loans admitted did have it, but had taken time to process. This may indeed have happened as bank entered the reference number wrongly. However I had sent an amendment to the bank who had set up the correct reference etc - without removing first one, so had one wrong and one right Standing Order go out in january. So in summary of very complicated situation: Student loans have been paid twice this month (400 quid) and I have nothing left to live on. Bank have taken off charges for next month, but done nothing else despite them paying out twice, having set up two SO's against my direct wishes Student loans do not want to return the money as I am their debtor - despite agreement being 200 and the overpayment was not my fault not my intention nor in fact in any way to do with me. Student loans have caused significant trouble and worry by sending letters that might have been allowed had there only been the wrong reference SO, but there was a second correct one there, and they admitted that they had money within the allowed 7 days just hadn't allotted it (no bar in their way, all was correct). Am fuming and unable to even buy petrol to get to work but can't see who to complain to/get redress from/even get an apology from! (oh, and phone now cut off as no money to pay them thanks to bank etc so can't ring them either...!!!)

Had two letters from BCW today, saying that they had been legally allocated a Debt from British Gas, one account for £190 ish and one for £130 ish. Now, I moved home in the summer and do owe money on those, but the amounts were not for these. Nor do I use british gas currently. So I rang BG. They say that these amounts relate to accounts from an address previous to these. Now, I left that address in May 2006, and told British Gas, and asked them to run any outstanding amounts into new address bills. They agreed, didn't do so, were told to do so again and then said this had been done. Now they tell me that these amounts were "allocated but not invoiced" to the new address I gave them. And asked me to call a different company (a 0161 number) as these accounts are so old. My questions are - if I asked them to change it, gave them new address, asked them to change it again and they agreed both times, and then I have heard nothing more since summer 2006, and only moved again in summer 2008, how can they now be demanding these? And using BCW to do so? Do these things time out? Is there a way to find out where the error has happened (they assured me these had run into new ones, now they say that didn't - which do I believe?)? Am very confused by this...

Hi, am new to this site and only just found this thread! Have been posting on debt forum as had just found out (through ringing the bank) that owing to my moving and failing to contact them (buried head in sand as terrified of banks at moment) they have closed my managed loan account and sent it to Metropolitan. I moved in June 2008, spoke to them January 2009, been paying instalments all that time.... Think it went ML roughly 2 years ago - not been reviewed since, and they didn't explain difference between ML and regular loan (still unsure!!!) and they certainly didn't explain anything about interest rates other than to say was (if memory serves) something around 7%.... So now don't know how much I owe them, how much is fair, and how much I have paid off!! Don't even know when they closed the accounts... (I do realise I have been an economic fool, and in general a fool who thought by ignoring things they might stop worrying me, was clinically depressive at time and on verges still but thought ought to take back some control over all this) Have today CCA'd Metropolitan and SAR'd HSBC re original account and ML, so we'll see how it goes. Still scared but also now somewhat annoyed!