I have written to Link today with a formal complaint about their interest rates and I am also writing to them for access to all the data they hold on me. I have used the template letter from this site (Subject Access) that I think was put together to send to banks. Is this letter OK to use to send to Link? It says to enclose a cheque for £10 and that I should write to their registered address. I am presuming this is: Camelford House, 89 Albert Embankment, LONDON, SE1 7TP, UK Just want to make sure I get it right! Thanks in advance for your help!

I have written to Link today with a formal complaint about their interest rates and I am also writing to them for access to all the data they hold on me. I have used the template letter from this site (Subject Access) that I think was put together to send to banks. Is this letter OK to use to send to Link? It says to enclose a cheque for £10 and that I should write to their registered address. I am presuming this is: Camelford House, 89 Albert Embankment, LONDON, SE1 7TP, UK Just want to make sure I get it right! Thanks in advance for your help!

Yes, there was a CCJ back in December which is why they are now charging this interest. Their letter state: "This notice is being given to you because a court judgement has been obtained against you in relation to the agreement. Under the agreement we are allowed to continue to charge interest on all sums which the judgement states you owe us...." I am presuming by 'agreement' they mean the original one I took out with GE Money?? I have been advised today (by my impotent debt advisory company) to make a formal complaint to Link and follow this up with a letter to the omnbudsman if I get no joy. Based on advice from this site, I am also going to contact my MP and will ask Link to give me copies of all the paperwork they have on me (is that a CCA request?!) Should I go tothe CAB or is that a waste of time? What about Watchdog?

Thanks Pumpytums - I shall get straight onto it!!

Thanks guys!!! I'll get cracking on this tomorrow. xx

I think I may do that and maybe I'll get a different judge this time! It does seem nuts though, doesn't it??!! As I explained to the judge, I have a chronic health condition and have also been made redundant - but none of this seems to matter. I am definitely not trying to get out of what I owe Link, and when the housing market improves I will sell my house and repay them. Link aren't interested, though, and do not want to work with me to sort this out. Do you think it's worth me contacting my MP or the local papers?

I find this all SO CONFUSING and I have been getting rubbish advice from the debt management company I have been using/paying. The court ruled that I should continue to pay Link the £150 a month that had been negotiated by the debt advisory company (and which I had been paying for a whole year before I went to court). Link say that they are entitled to charge this rate of interest as it was part of the original contract I signed with GE money. When I asked the judge whether she could get Link to freeze/lower the interest rate as part of her ruling - she said that this was not within the scope of her authority (or words to that effect). My debt advisory company said that some judges do make this part of their ruling - but it seems to be a bit hit and miss. I have been advised to go to the CAB with my original contract from GE money to see if they can challenge it. I am SO FED UP. It is bad enough that we are in a damned recession without a minority getting rich off our misery!!!

Can anyone help me? I had 2 loans with GE Money that Link took over, when I couldn't pay. Link have just notified me that they are charging me 17.8% pa on one loan and 21.9% on the second loan. This amounts to £500 a month interest and I can only afford to pay them £150 a month so my debt is escalating out of control.. They took me to court in December and now inform me that they have added almost £2,500 in interest to my account and will continue to add interest each month. Where can I go for help? The CAB, my MP? I am REALLY worried and don't know how I'll ever get out of debt now...

When I got into financial difficulty, I got a debt management company to manage my debts on my behalf. Out of my numerous creditors, only GE (now Link) are being completely unreasonable (you guys have probably heard all this before!!) They took me to court even though I had been made redundant and are charging me such a shocking rate of interest that, even though I am paying them a monthly amount, my debt to them is escalating rather than reducing. The debt advisory company are little help and say "yes, we always have problems with Link". Today I got 2 letters from Link (I have 2 separate loans with them) in which they detailed the interest I am incurring: The interest Link are charging me since we went to court in December 2009 is almost £2,500!!!! Weren't these debt advisory companies set up to help us get out of debt? I also thought creditors were suppose to be more cooperative (how naive am I!!) Can anyone suggest what I can do to dig myself out of this hole? When I went to court, the debt advisory company said I should ask the judge to make a reduction in the interest rate a condition of their ruling - but the judge said it was nothing to do with them. I was then advised to go to the CAB with a copy of my original finance agreement. HELP!!!!!! Many thanks for any advice you can give me...