Cheers AC, That's a fair bit of ammo there. As I said before I've sent off a letter by special delivery to Link, telling them I believe the debt to Statute Barred, and could they contact me only by mail in the future. I'll make sure to send of the complaint letters asap. So far Link have been a minor irritation to me, but I can see the **** they are from their treatment of others. Why these people, and others like them, are allowed to practice is beyond me. I'm sure this isn't the last I've heard from Link, I'll be sure to update you all on their antics.

Thanks for the swift reply Mr.Ton. I've just printed off the Statute Barred letter template and I'll post it this afternoon by recorded delivery. Should I now call them or answer the next call to inform them of my actions? or just leave it upto them to act first?

Hi all, I've been directed here by a friend for some advice regarding Link Financial. Longish story, but I'll try to keep it concise. About 3 weeks ago I started to receive call from an unknown mobile phone, after the third or forth time I answered, It was someone named Chris calling on behalf of "Link" (no mention of Financial). He claimed that they were a company that "forwarded correspondence" and could I confirm my address. Smelling a rat I ask for more information about this correspondence, he told me he would call me from the office a little later, I said ok. A quick search of google on my iPhone revealed the truth about Link. After around 30mins I got a call from Chris, after much cat and mouse I got him to tell me that apparently, I still have a debt of £369.64 with Abbey PLC from 1997. As far as I recall this debt was accrued from a succession of £30 charges for an unuathorised overdraft. I disputed it at the time and as far as I was concerned the matter was resolved. In 12yrs I have never heard anything from Abbey PLC. Whilst I have moved around alot, all my bank accounts/credit cards/loans have been at my family home address. I told Chris that I would contact Abbey PLC about it, and thanks for "forwarding" this information to me. I could hear him chewing his foot as I hung up. I heard nothing for 2 weeks, until this letter arrived (I am back living at the family home): **RE:YOUR AGREEMENT WITH ABBEY PLC (ABBEY) RELATING TO ACCOUNT NUMBER XXXXXX XXXXXXXX We write to introduce Link Financial Limited to you. Link Financial is the current owner of the outstanding balance due from you under the agreement referred to above. Abbey has now assigned to Link Finacial the outstanding balance due under the Current Account Agreement. As a result of this assignment, the full amount of the outstanding balance is due to us immediately. The total outstanding balance is £369.64. Link Financial seeks immediate payment of this amount from you. In order to discharge the outstanding balance, you should send payment to Link Financial without further delay. Since you now owe the outstanding balance to Link Financial, you should make no payment relatingto the outstanding balance to Abbey. Any payment made by you to Abbey will take significantly longer to be processed onto your Link Financial account. Therefore, in order to avoid unnecessary inconvenience by us taking further action against you for none-payment, please make payment only to Link Financial from now on.** I'm now receiving calls every 2 days from them and even text messages. From reading this thread and others I have not wished to discus anything over the phone with them. So where do I stand? Is this debt not Statute Barred? If not, then how do I procced? Thanks in advance!