Hi Pumpytums Thanks again. All actions taken today, though couldnt stretch to Special Delivery, I did do recorded. The debt was for more than £5,000 before interest, it was £7,000 with a whopping £2,500 added as interest for the court claim. I dont have the default notice from Abbey as it was so long ago. I will look on your thread at your embarrassed defence. I cannot thank you and everyone on here enough for the help you have given. I too have decided to give back in the employment forum as I do have specialist knowledge to be able to give advice there. It will take some time for me to get used to naviagting around here, but I have realised that there can be great power in numbers! SF2010

Thanks Sod Em !!!! Will follow that advice.

Pumpytums Im back! As my email showed you have very kindly posted me more help. I have the CPR 18 ready, but not the CPR 31.14. There is only one concern with the latter as it states: Prior to the issue of proceedings I had delivered a request for the production of the full agreement mentioned in the Claim Form and on which you rely. That request was ignored. I did send letters, but these were advising them of not knowing that my debt had been sold to them and providing details of the agreement I had with the other DCA and my financial statement with token payment offer and request for details to pay the token, but had no response. I didnt know until today that I could ask for copies of the original agreement. I genuinely dont remember those details and had acted out of fear, rather than challenge what they were saying (until now that is). Is that sufficient to leave that part in, or should I take it out before sending? Kind regards SF2010

One last thing, do I use my orginal account details? On the SAR template request, it doesnt doesnt seem to provide a space for any of my particulars, such as DOB or the account details. Should I add this to the letter to Abbey and should I explicitly asked for the deed of assignment.

Thanks Sod Em and Harrassed Senior, I have tipped your scales. Popytums your too! I am very touched by the help I have received as I really thought my life was over after trying so hard to be decent, making many sacrifices and bringing up my 2 children alone. I will be back to check my post tomorrow as Ive been on here since 9am, such was my despair. All of you................ THANKS SO MUCH ! I'll be back, so keep the advice coming! SF2010

Pumpytums I dont have a scanner at home, but older copies say Link Financial and registration number 446835. The second letter says Link Financial Outsourcing under the registration number 632508. The addresses are the same on both. I will send a SAR request to the original creditor. I have both of these awaiting Monday to post recorded delivery.

maroondevo52 there was never a time when 6 years have passed without payment. The last payment sent was in January 2007 to CSL.

I have received county court claim form, disputed the whole claim and acknowledged receipt so that I can prepare my defence in 28 days.

Harrassed Senior, I dont know how to tip your scale, but would glady do so if you let me know! Thank your for such a quick response. Ive been on here for hours, as I didnt know how to post a message. SF2010

Thank you so much! It is a bank loan and I'm thankful for you transferring this to the correct area. To say Im relieved by your response is a massive understatement. I will be sending the letter to them first thing on Monday when the post office is open again. I assume I have to wait the 14 days for a reply before sending my defence to the courts! Many, many thanks and although may seem inappropriate, a thousand kisses! SF2010

I have a debt which dates back to 1997 for £7,000 with Abbey National. I had a payment arrangement with Credit Security Ltd for which I had an agreed payment of £1 due to severe financial difficulties. I was paying this regularly and re-addressed my debts with the assistance of the Consumer Credit Counselling Service in 2004 after separation from my partner, left with 2 children. At this point the debt was no longer legally entitled to be recorded on my credit file, but I was determined to do what I could to pay all of my debts off. I again established a £1.00 token payment agreement with CSL. Out of the blue, I received a photocopied letter from Link Financial Outsourcing dated 21 August 07, stating they have previously written to me about this account, along with a photocopy of 2 letters dated 09 May 07. 1 was saying that they had bought the debt and the other copy was of a letter from Abbey saying that they had sold the debt to Link on 31 Jan 07. Neither of which were received. The Abbey letter was dated the same 09 May 07 as was the copied Link letter and was not sent to me directly by Abbey, though it showed my name and address. I wrote promptly to advise them that I had not received any previous letters as enclosed. I had an agreement with CSL and was not aware that it had been sold. I provided them a copy of my financial statement, offered the £1 payment which I could not increase, gave them the CCCS reference no. etc. I also asked for the details of where to pay, but didnt send a £1 payment (my stupid error). No reponse at all! I then received another letter on 29 May but dated 20 May 2010 entitled letter before action stating court proceedings would commence without further notice if payment wasnt made in full within 14 days. I again wrote to them to advise that they had not responded to my previous letter and again provided my financial statement and a £1 token payment. This was sent on 1 June, recorded delivery. I received a court claim form dated 07 June on Wednesday with £2,500 interest added. I also received a letter from link dated 7 June saying I had incurred a litigation charge applied to my account on 06/06/10. I have had no other default sum notices from Link as the debt was defaulted, maybe 10 years or more ago. I contacted Link to ask if they had received my letter and was told that they do not respond to letters as they are a telephony service and they only do litigation, not payment arrangements. They would let the courts sort it out. There is something rather dubious about this companies actions and the time span within which they have taken to act and not responded to any of my letters. Ill keep an eye on this post to see if there is anything useful for me too. I have already copied the SAR and CCA request for specific information as I found it very odd that the lady who I spoke to asked me when I took the agreement out and what were my payments, as they seem to be clear on the claim they have made. 8% interest from 31/01/07 to 04/06/10 and 1.570 thereafter. I have acknowledged the service from Nottingham County Court, so have 28 days to see what the real situation is. I hope to be able to dispute the whole claim.

I have a debt which dates back to 1997 for £7,000 with Abbey National. I had a payment arrangement with Credit Security Ltd for which I had an agreed payment of £1 due to severe financial difficulties. I was paying this regularly and re-addressed my debts with the assistance of the Consumer Credit Counselling Service in 2004 after seperation from my partner, left with 2 children. At this point the debt was no longer legally entitled to be recorded on my credit file, but I was determined to do what I could to pay all of my debts off. I again established a £1.00 token payment agreement with CSL. Out of the blue I received a photocopied letter from Link Financial Outsourcing dated 21 August 07, stating they have previously written to me about this account, along with a photocopy of 2 letters dated 09 May 07. 1 was saying that they had bought the debt and the other copy was of a letter from Abbey saying that they had sold the debt to Link on 31 Jan 07. Neither of which were received. The Abbey letter was dated the same 09 May 07 as was the copied Link letter and was not sent to me directly by Abbey, though it showed my name and address. I wrote promptly to advise them that I had not received any previous letters as enclosed. I had an agreement with CSL and was not aware that it had been sold. I provided them a copy of my financial statement, offered the £1 payment which I could not increase, gave them the CCCS reference no. etc. I also asked for the details of where to pay, but didnt send a £1 payment (my stupid error). No reponse at all! I then received another letter on 29 May 2010, but dated 20 May 2010 entitled letter before action stating court proceedings would commence without further notice if payment wasnt made in full within 14 days. I again wrote to them to advise that they had not responded to my previous letter and again provided my financial statement and a £1 token payment. This was sent on 1 June, recorded delivery. I received a court claim form dated 07 June on Wednesday with £2,500 interest added. I also received a letter from link dated 7 June saying I had incurred a litigation charge applied to my account on 06/06/10. I have had no other default sum notices from Link as the debt was defaulted, maybe 10 years or more ago. I contacted Link to ask if they had received my letter and was told that they do not respond to letters as they are a telephony service and they only do litigation, not payment arrangements. They would let the courts sort it out. There is something rather dubious about this companies actions and the time span within which they have taken to act and not responded to any of my letters. Can anyone help with advice about what to do please? Any links would be really helpful too. Desperate SF2010.