seems they have gone quiet for now. They have now given ex a TOMLIN Order for payments to be made over 424 months for the full amount. They have frozen interest and asked him to pay 52.16 and me 75.78 for the forseable future. this does not add up to the same timescale of 424 months but is a result. He signed papers for the Tomlin Order and lets hope they do not chase again for this. Thanks for the help with this.

My account has been passed from capitol one to apex and I have £13000 o/s with them and i am paying £75 a month.just got a call and they want the debt paid in 5 years not 14 as it is. They are giving me a short time to get back to them with I & E again.I am paying them the max but they want more. It has taken 8 months to get the credit AGREEMENT and it would appear it is un enforceable. yet they are still chasing me.

The agreement is with My EX and he lives in oxford. Have just spoken to him and he has not signed the tomlin order as he has under £60 in disposable income for in all 5 creditors. He asked link to accept his disposable income for the tomlin order but they have refused. He has now been told they are going to take him to court in oxford for the full amount as he is equally and severally liable. My cheque sent 23.4.10 has not been cashed. NO SURPRISE there. Still unsure if I should apply for all docs as per cpr 31:14 stencil letter.

Have just sent off the cheque for this months payment asking for a mandate again. Have asked for a copy of CCA again as per my letter 8th March and dispute letter of 27th March. Also as they have gone to court in England have asked for the fees to be refunded as the Northampton court have no jurisdiction over a resident in Scotland as advised by IDA. Have once again asked for interest to be frozen so i can continue to make payments to them. Still unsure if OH has signed the tomlin order as feel we need time to get CCA and other docs that link were trying to use in court. Is it worth doing a request for deed of assignment etc yet or would you leave it until Link take me to court up here. OH has not done this yet and feel this may be duplication if I do this and he has already done it for his defences in the future....

I have today recd a letter back from Elizabeth Jones with a Notice of Discontinuance in relation to case raised within Northampton County court. They are agreeable to the monthly repayment of £75.78 in line with disposable income letter sent by CAB. they will monitor the account for these payments and confirm that if default should occur they reserve the right to instruct their Scottish Solicitors to raise proceedings against me for the outstanding amount. . No mandate received and no comment on the interest to be charged. Also as yet no copy of CCA has been recd as neither me nor OH have a copy of it, we just have the application of agreement. .. OH has a letter asking him to sign a Tomlin order and requesting £200 a month. He feels he wants to sign the order but on his terms ie his disposable income. he has been offered 112 payments to clear debt. I am wondering if interest is still being charged and at what rate. As we have not had our day in court they could still charge the full 17.3% interest and we will never get this debt paid. Does anyone know what can be done to get the interest reduced while we make payments in line with our disposable income. Will we need to let them take us to court and ask for interest to be waived/reduced until we can obtain sufficient monies from family or friends to get this debt written off for 40-50% of outstanding debt.. Hettie.xx

I called the court and they have locked my case. They have recd the defences and are returning them to link to dismiss mine and advise them that the case against me cannot proceed as I reside in scotland. will wait for the next barrage. No cca recd yet from them or a mandate for payments to be made regulary to them. All they want is the ccj and charging order.they are not interested in getting any dosh off me. Seemed weird the papers from court as GE Money was not mentioned at all just that we were indebted to Link. I have still not had a letter of assisgnment from GE Money either.I am wondering if Link are working for GE and have not had the debt assigned to them. Does anyone know how I can find out? Hettie xxx

I was about to send my cheque back to them today with the default letter on not supplying cca on time and lo and behold they now send me court papers from northampton court. I know i need tosend back as they are out of jurisdiction but can i put all my defenses on the form and reasons why I have not paid yet . This was due to dispute with CLC and ge money over the product supplied. I can only presume noone reads your letters at Link and they are even ignoring the letters sent by CAB. Can anyone suggest how to write back.

My other point is if you do not pay the maintenance fees for 2 years they will repossess even if you still owe GE or other companies. If they take back the product they should pay you for it. this is like saying have your cake and eat it.they will then sell this product to someone else. THEY HAVE BEEN PAID BY THE FINANCE. If they want it back then they should pay you for it. if not why not. Most of us had finance for it that they set up. I understand it is in the small print somewhere but this is not explained to you when you purchase. Thus mis sold it is only when you join a forum like this you find this out...

The cheque i sent for the cca request has been sent back as i made the payee ge money and it was returned via my ex tome as it was sent to him and not me. they want it payable to them. I cannot see why as Ge money will want this to provide the info. I am sure I read somewhere if i send a cheque tolink thye will apply it to the debt and not request the copy of the credit agreement is this correct. It has now been 12 working days since my letter was sent what can i do now?

I too have gone to TCA and have been passed to the sols in manchester. My loan with GE has been passed to link. I am only just starting to fight them. We were missold and I have a link http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/250098-urgent-link-ge-money.html I have sent a letter of misseling to them and even got Inventory solutions to write to them. Some 18 months down the line and they are not budging. Have read many threads all over. Think of this, you buy a new house and it is wrong and you argue over it for 2 years, you refuse to pay the mortgage and it is repossesed. It is then sold on what do they do to you----advise you the mortgage is still due in full or take the amount it was sold for off your debt and chase you for the balance. It is the latter and they do not care if you have paid the council tax or factor fee. Why can CLC reposses the timeshare and not pay you the current price for it to be transferred back. This must be totally unfair and should not be in the T & C of purchase. Many of us will have the holiday club withdrawn as no fees paid and still have the loan pursued by the courts and Link or whoever else they are using.

I sent a cca request to Link and in the same envelope did what IDA in fife suggested.my reply cameback today:- " As you are aware Link purchased your debt from GE Money on 17.12.09 and as such we do not always hold this documentaion. We have requested a copy of the agreement and the most recent T &C your account was operated under from GE Money and look forward to sending this to you in the near future,however please be advised this can take upto 30 days to provide" Surely they have to have this info. Do i wait for another 30 days and see what they supply. I wonder if it is worth also asking for the letter of assignment as GE have not sent me anything to advise they sold the debt. Will I need this doc for when they eventually take me to court?

I used redress last August before joining this forum to reclaim ppi from C1 and recd £4465 off them. I have a balance now of £13368 with Apex for the debt so hope this will not be pursued once it is decreed unenforceable via redress. I have not got a thread for this but I have one for dealing with GE money and link. just waiting to see what Apex and c1 do when it eventually is on credit record as uneforceable.

ignore thios

My agrreement with C1 was from 1999 and just heard back from redress claims today that my agreement is not enforcible as it has 7 breaches.I am hoping to be able to have this debt written off in the near future. Heres hoping...

Some one asked what options are available with c1 if agreement is enforceable. I owed £15600 in may 2008 when my partner left. I sent them disposable iincome and they accepted £19.26 for 6 months and they froze the interest. After 6 months I negotiated again and they accepted my payments. It then went to Apex and they kept the schedule going with nil interest as well. CAB sent last letter for review in december and still they are accepting £52.95 a month and interest is froze. No problems with them. Supply your disposable income and they are easy to deal with. No threats etc and no harrassment. Unlike some of the companies like Link. Hettie

this is all we were given. we did sign form but this is what we were given to keep. I am not sure what to do next.If i do not reply and just send another cheque for this month will i get another more threatening letter. Or should I write again and ask for this to be reffered to the local sherifs court and quoting llaw that i live in scotland and should be pursued under scottish law..any orderes issued in lambeth will not be inforcible in scotland.

Here is the original application form, latest statement of account and first defaiult notice from ge money clc app11.pdf clcapp21.pdf gestate09.pdf gedefaukt11.pdf gedefaukt111.pdf

Here are the letters i have recd from link since they took it all over. I have not heard from lambeth court and have tried several times to get in touch but after waiting 15 minutes on hold at work my break was over. I have not signed the letter from link and feel i would be a fool to do so as I do not feel they are acting very fairly. Will post other letters and statements and defaults etc recd from gemoney as well next. Hett link1.pdf link2.pdf link3.pdf link31.pdf

I own my home in joint names with my ex. the debt is for timeshare and is also in joint names. I have had no papers from the court and so far they want us to sign for a voluntary order to be put on the property as security.if this is not recd by next 9.3.10 then they will be pursuing us for a ccj and a charging order. My ex lives near Reading now.I have tried to make contact with the court and cannot get through as I thought they may be going for a CCJ without sending me the papers. The last letter I sent with my income and expenditure I enclosed a cheque for a payment plan to be drawn up and this to be my first payment they cashed this before speaking to me. I thought like all the other debtors this meant they would accept payments.I have asked for interest to be reduced and for me to make payments as per the original credit agreement but they are not answering this point and are refusing to reduce interest. When I spoke to CAB they said that GE Money are very difficult to deal with regarding interest. I cannot write for CCJ to be set aside until it is registered at Lambeth County Court or does their letter mean they have already done this because I cannot confirm with the courts the current actions they are taking against me without a case no etc.

I have lived and worked in Scotland for almost ten years now, and I have not received any Court Papers whatsoever from either Lambeth or Northampton. In my letter to Link, I asked for the matter to be referred to my local Sheriff Court to be dealt with under Scottish Laws. I also asked for a Tomlin order to be considered but they have not replied to this.

Hello, I'm new to this but I am looking for some help dealing with Link/GE Money. Personal background: I have two children living with me and one of them is disabled as he has ADHD and Autism. I also live in Scotland under Scottish Laws. Oct 2007: My partner(now ex) and I took out a loan with GE Money for Timeshare. March 2008: We seperated and started a complaint against Timeshare/GE Money and have had a dispute ongoing since this date. June 2008: GE Money refused to accept payment based on disposable income. Jan 2010: Link sent first letter stating that they had bought the debt in 12/09. I took out a loan in Oct 07 with GE Money for Timeshare. I started a complaint against the Timeshare company in March 08 and I've had a dispute on my account since. I have gone to the FOS and they have written to GE Money and they still have five weeks to reply. I am also engaging ITRA to join a group action against the Timeshare company. GE Money sold the debt in Dec 09 to Link Financial Outsourcing Ltd. I was notified on the 11th of Jan 10 of the sale with a letter from Link, not GE Money. All my other creditors have written to me informing me of the sale of my debts. I had a bereavement in the family at this time and was not back home until 28/01/10 when I had a letter before action. I received a letter from the FOS dated the 22/01/10 stating that GE Money had 8 weeks to reply to the complaint against themselves. I have spoken to them twice and sent a letter with my disposable income and a cheque for the initial payment and that cheque was cashed before they called me. I had thought that they had accepted my disposable income. However, they are now advising me that I need to have a Final Charging Order to be registered on my property. They are not interested in accepting any monies off me, despite having offered the full amount of the original credit agreement to be paid for the next few months until an answer from the FOS can be obtained or the dispute is settled. 3/3/10: I received a letter informing me that Lambeth County Court has served notice of the claim against me. No such letter was received.... There is also a form attached to this letter to secure a restriction on my property at HM Land Registry to be returned in the next 7 days. I also cannot make out who this letter is from as the signature is indecipherable and there is no name or position on this letter. From what I have been able to gather online, the Scottish Laws of this matter are completely different. What exactly should I do, as I have not received any Court Summons, or papers from a court of any kind. If I can get the letters scanned, I will post them if needed. Can anyone help?