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Katybintjas

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  1. Hi nj484 I am wondering if you have had any update from them? I sent them the recorded delivery letter at the start of the week and they have been on the 'phone again today. I said the person was not available and they should write. They claimed they had and had no response - which of course is a lie. What is the next step?
  2. Yesterday I sent the statute barred letter and about 10 minutes ago I received the following call. It registered as "international" - and may have been from an outsourced call centre due to the guy's accent. He asked for Ms Xx - using a title that could have been relevant to 4 people in the household. I asked who it was without confirming anything and he said: "this is the debt officer from Manchester, do you have any debts?" I replied by saying "no" and nothing else and he hung up. Anyone else had this, is this more outsourcing by Link? It is all very well with me answering but this looks like it could become a regular problem and it just seems very suspicious and highly unprofessional to not identify a company and then just hang up. Is a debt officer someone that Link go to next to threaten people with? If they receive the Statute barred letter I sent yesterday will that be enough to stop the calls? Has anyone else had this particular problem?
  3. Hi, I have been looking into this a bit more and this Link seem to have bought about 40,000 of these pre-1998 loans from some other agency that they were sold onto in the chaos of switching from SLC. What I am wondering is this, the more I look at this, the more I see this "statute barred" being used as the legality behind Link not being able to pursue loans. Are pre-1998 loans covered by Statute barred - as in is this made clear anywhere and if it is then surely that is the case many people must be using? If Link is aware of this law then does that mean that as soon as they are quoted this - provided there has been no contact for 6 years (5 years) then they can not really do anything? I was just thinking that if this is the case then this should surely be made more public as there must be a large number of people actually being contacted in a manner that is simply just not legal? Just some thoughts..
  4. I just saw that message after I posted it and did not put the address in the end. the house number and post code are on the recorded delivery paper to them though. Hope that will not cause a problem.
  5. Thank you. Do I write my address on the letter or leave it - I mean the address the sent the original letter to me at? Surely the reference number is sufficient as they already have an address? (I just want them to have as little information as possible)
  6. Hello I have written the Statue barred letter. Do I even include my address on it as would be normal in a letter as that is surely acknowledging it or do I leave it blank and just the reference number? I plan to send it today. Another call was received this morning - although no one answered it, there was just a cut off message on the answer 'phone. **** Dear Sir/Madam Loan Account Number: XXXXX You have contacted me regarding the above account number which you claim is owed by myself. I would point out that under The Prescription and Limitation (Scotland) Act 1973, Part 1 Section 6 “If, after an appropriate date, an obligation to which this section applies has subsisted for a continuous period of 5 years: a) Without any relevant claim having been made in relation to the obligation, and b) Without the subsistence of the obligation having been relevantly acknowledged, then as from the expiration of that period the obligation shall be extinguished”. I would also point that the OFT say under their Debt Collection Guidance on statute barred debt that it is “unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. The last acknowledgement of this alleged debt was made over five years ago. Unless you can provide evidence of payment or written contact from myself in the relevant period under Part 1 Section 6 of The Prescription and Limitation (Scotland) Act 1973, I would respectfully suggest that you are no longer able to take any action against myself to recover the alleged amount claimed. I await your written confirmation. Contact MUST be in writing, I have no access to any telephone number you hold. Yours faithfully ****
  7. Hello again. I have contacted the Citizens Advice who have informed me that Statute Barred means nothing in regards to a Student Loan - apparently it is a loan that is exempt from this.
  8. OK.. Thank you to all replies here. Is it recommended I write or call them back in the first instance? Should I write about this statute barred status? I am concerned about opening a whole can of worms here. I am completely stressed out and can not believe after all this time I get this sort of letter. Thanks again for the feedback.
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