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Massamum

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Everything posted by Massamum

  1. One more thing (sorry to sound totally thick) "On **DATE** I made a formal request for a true signed agreement for the alleged account under Consumer Credit Act 1974 s77/8, a copy of which is enclosed for your perusal and ease of reference." does this mean a copy of s77/8 or a copy of my letter?
  2. I saved a copy of an in dispute letter by 42man from a thread a while ago in case I needed it. As I'm going to send a letter out tomorrow I've just had a quick read through it and wanted to check something - "should you refuse to comply, you must within 21 days provide me ...." and then a couple of lines below "should you not respond within 14 days ..." and then few more lines below "you have 14 days from receiving this letter". Am confused. Can someone please confirm if it should have both 21 and then 14 or or whether it should be one or the other. Thanks. _________________________
  3. quick update on this, today was the last day for lloyds to come up with the goods. Bit of a problem though. I sent by recorded but when I checked on track and trace it has no info except that the item was accepted at my local post office! I sent it to Lloyds registered office. Any ideas what I should do now please? Should I send the account in dispute letter? Thanks guys, any help appreciated.
  4. sounds typical of Link doesn't it Joemay, well lets hope MBNA have nothing too
  5. Fantastic news DG, congrats and well done. Lets hope they crawl back under their stone quietly and leave you well and truly alone
  6. thanks for that DG, am just reading through your thread now (will be here quite a while methinks ). Am noting things as I'm going through and I'm sure it'll be a great help when my turn comes. Am going to send off the SAR letter today.
  7. That gave me my first chuckle of the day DG, thanks for that. Would love to be a fly on the wall and see Link having a tantrum, I bet it ain’t a pretty sight :grin: When you have a minute would you be able to let me have a link to your thread please? I’d love to have a read of it. Such brilliant news for you getting it struck out, good for judge (and good for you too). Well done. Have now decided to try and reclaim charges etc from MBNA, not entirely sure how I go about it though – do I have to SAR them or is it too soon? Thanks in advance.
  8. Hi Joemay, I haven’t heard from Link at all (apart from the ‘call Helen’ card). I checked on track and trace and the CCA letter I sent left their local post office on 8 April so can assume it was delivered that day – not sure, but I think that means the 27th is their last day, not that I'm holding out much hope that it'll do any more than hold them up a bit. I had a lovely break thanks, it helps to know that we’re not alone in this and that there is so much help on here. Hope you had a good break too, I’ll be keeping my fingers crossed that your post box is empty tomorrow .
  9. Hi Joemay I wouldn’t trust a thing any of them say. Can’t remember what the implications about the account number are and I haven’t been able to find the thread, but will keep trying. I'm confused too and the more I read the worse it gets. So much other stuff going round in my head let alone all this new info too!!! I expect you’re the same. Had some good advice on my thread from DG, she said to try and forget about it for a few days (I’m going to try), thought I’d pass it on
  10. Ha ha, they are hopeless aren’t they, will keep my fingers crossed for you that nothing turns up. I'm going to try and have a couple of days off from thinking about things, hope you manage to as well. Have a nice weekend.
  11. Thanks DG. I’ve checked back on all my old letters/statements and its always the same account number. Good for you keeping check, use everything you can against them - its a shame they don't leave numbers of our balances isn't it. Link’s name is on the bottom of the card, quite small letters but its still there for the world and his wife to see. There’s absolutely no way I’m going to call them, been there, done that, got the t-shirt etc. Changing my number was the best things I’ve ever done. I’ve just checked on track and trace and it said my CCA letter was delivered from their …..
  12. in with the post this morning I received a postcard with "please call Helen urgently on ....." and "registered office: Link Financial etc". Feel sooooo embarrassed.
  13. Hi Joemay, how are things with you today? Any more calls from Mr Stroppy? I came across some info tonight in another post. Basically said that if an account has been sold to a DCA that a new account number would be given. Interestingly enough the number on Link’s NOA is my MBNA account number, so I’m guessing the debt hasn’t been sold to Link after all and that they are merely collecting on MBNA's behalf. What does it say on yours? Do you have a new account number or is it your old one?
  14. Hi all and thanks for your posts. Many thanks for the above Shakey, most informative. I did have PPI on the account but as I seem to remember I insisted on it “just in case” (no policy docs received though). Turned out to be a complete waste of money as the tight wads wouldn’t pay out when I did make a claim. Will post up whatever Link send back, plus I'll keep any envelopes from now on as I haven't so far. Getting back to assignment of the debt, I’ve been reading lots of different posts on here and I came across one tonight (my laptop crashed and I couldn’t find it again
  15. Hi andyr666, I read on another MBNA thread that it doesn't matter whether the NOA comes from MBNA or Link, as long as one of them notifies me it means its done. I haven't seen a notice of assignment before so no idea if it is a NOA or just a letter - can anyone confirm if its the notice please?
  16. This one made me laugh out loud, one of the funniest things I’ve read in a long time, thanks yourturntopay, I needed that. Wish I’d known about this site when I was getting the never-ending calls. Makes me feel sad that I can’t join in anymore (I’ve changed phone number).
  17. Hi Joemay Sleep, whats that? What a cheek the Link guy got stroppy! That couldn’t have been nice for you, well done for standing up to him. What a load of rubbish that they can’t communicate in writing, they managed to send us both the notice of assignment without any problems. I’ve read on some posts that when DCAs call, refuse to go through the security questions so they can’t continue with the call. Worth a go. Try not to feel nervous, it sounds like you’re doing really really well. For myself, I’ve just CCA’d Link. I know its not the greatest thing to do but at
  18. you're right, they are that and more (much, much more). Thanks
  19. thanks for that DG. I will do that, even though it was an online application and therefore enforceable, at least I'll feel I'm doing something rather than just ignoring them. Thanks again.
  20. Just re-reading posts and come across yours at #10 Shakey, that means if I send Link CCA I’ll be acknowledging having received the NOA??? Even though it was sent by ordinary post and not recorded. Should I contact them or not?
  21. Thanks DG. I’ve heard nothing from MBNA regarding Link. I’ve received many letters from them threatening “MBNA will place my account with a third party to obtain payment of the full balance” and “MBNA will sell your debt to a third party – you will no longer be an MBNA customer and the third party may apply their own fees to your debt”. But that’s all, no notice whatsoever that it has actually been sold on. I’ve been reading lots of other posts in these forums and to be honest I’m even more confused than I was at the start - my head is spinning with so much info! Thanks fo
  22. Hi 42man, thanks for that - the agreement was early 2007 (February) – does that make a difference? Thanks for all your help PmW, also for the bumps I still haven’t contacted Link as I wanted to get them to prove they own the debt. Its been a while since they sent the NOA and I’m getting a bit worried it’ll make things worse if I continue to ignore them, but I don’t want to do the wrong thing!!! Should I contact them? Does anyone know of a template letter I could use? Thanks in advance.
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