Hi, I was able to get the judgement set aside and eventually had the debt written off. My loan was also with GE money and was purchased by Link. Link are a very aggressive company to deal with and can be very intimmidating but, do not let that get to you, because they are also pretty stupid too. They rarley follow the correct legal proceedures and even more rarely have the full and correct legal documentation that identifies tham as the legal owner of the debt thay have purchased or that would allow them to bring legal action. What stage are you at with Link, have they threatened llegal action? or just trying to get you pay a debt that they now say the own? Whatever you do, do not acknowledge that you recognise or owe any money to Link. You say that you have a CCA, was that obtained from Link? As far as requesting a CCA, the company you request it from must be able to provide you with a TRUE COPY that is legible, has the terms and conditions plus the interest rates all on the same sheet, It has been my experience with Link that they can rarely do this, no true copy, agreement is usually unenforcable. Just a few other points that may ber of help. you said that your cca is dated 1994, thats nearly 19 years ago, how long ago did the loan go into default? If it was over 6 years ago and you have not been persude for it in that time , the debt my be statute barred and again possibley unenforcable. The area I finally got Link on was the sale of the debt itself. The original creditor(GE) should have sent you a copy of the notice of assignment, this should have been sent to you by recorded delivery. Just a word of caution on this point, the notice of assignment is only legally binding if it comes from the original creditor, Link will try to say that they have written to you to notify you that they own the debt, that letter is not worth the paper it is printed on. I would recommend that you send a SAR to GE to find out everything that the have on you before Link try to produce some cobbled together documentation that might work against you. I am by no means an expert on here and I'm sure If any of the advice In have suggested is incorrect or not applicable, someone will correct it, I would alsol try to get a moderator to give you a bit more advice. Hope some of this helps

Hi, I hope that someone can offer some advice on what my next step should be. I am having huge problems with a conservatory I had built in Sept 2004 by a local company TWS {Trade Windows Sales) To cut a long story short, cracks started to appear in the block and brick work in 2007 and have continued to get worse right up to present. We have not been able to use the conservatory since 2009 due to this. Despite the conservatory having a 10 year guarantee, and several promises by the builder to correct the faulty work, I am still in the same situation. The Consumer Protection Association who administer the guarantee are of no help, they seem unwilling or unable to do anything to help resolve the problem. I feel five years of being messed around is more than enough and need to take stronger measures. I can't afford a solicitor and as the original cost of the conservatory was £11,500 neither can I go through the Small Claims Court. Is it possible to persue a claim as a Litigant in person through the Fast Track or Multi track, if so can anyone offer advice on where to start. Alternatively, is there anything else I can do to either get my money back or the shoddy workmanship rectified, any and all suggestions are welcome. Hope someone can offer help/advice Thanks A

Thanks again Batman, letter was sent out today. Can't wait to see if Link respond

Hi Delta and Harrassed, Thank you both for your information, it's a great help. Any Ideas how I can get them to stop handling and processing my data with credit reference agencies whilst this account is in dispute? Thanks again Andy

Hi Batman, Thanks for the information, it's a great help. Any Ideas how I can get them to stop handling and processing my data with credit referebnce agencies whilst this account is in dispute? Thanks again Andy

Hi to all. I would be grateful if anyone could advise me as to what would be my next step regarding Link Finance as I seem to have run out of ideas of my own. I was on a debt managemant with Payplan and was making pro rata payments to my creditors via them. One of my creditors was MBNA for a credit card with a balance of approx £2800. In January 2009, whilst checking my Payplan payment summary, I noticed that MBNA was no longer on my list of creditors but five payments of the same amount were now being paid to a company called Link Financial, who up to this point I had never heard of. Payplan were of no use, they claimed that they were unaware of any changes to my creditors or my circumstances, MBNA would tell me nothing oher than they had sold the debt on. I finally managed to get in touch with Link, who had been silent up till this point, and thats when the trouble really started. They have since been threatening and abusive. I followed the advice that I have read on here. I first sent off my £1 and requested a true copy of my CCA agreement. After two more leters informing hem hat they were in default, I received a letter claiming to be a holding letter saying that they had trouble in locating my paperwork.I replied saying that this was not acceptable and claimed that the reason they could not find the CCA was because one did not exsist, therfore I would not acknowledge any claim they made against me and that any legal acion would be vigourusly contested, I also stopped payment to them. Two days later I receive a letter form Link saying they had enclosed the document that I requested and they had fulfilled their obligation to my request. The document they enclosed was a very clearly worded credit card application form. It had no terms and conditions attached and best of all was for a credit card application for a Bank of Scotland credit card not MBNA. I again wrote to Link stating the above, requesting that they stop all data processing, remove any entries they had made on my credit files, return the money that they had taken and of course reminded them that I did not acknowledge the debt. I have since repeated this request twice but they still continue to persue this alleged debt. The telephone calls are continuous, even though I have put in writing to them, that all communication should be in writing. Link is still to produce a valid CCA, I have never received a Notice of Assignment from MBNA. All my letters were sent recorded. What can I do to stop this harrassment from Link, get them to remove their entries from my credit file? My apologies for the length of the post, I though it was better to try to give as much info as possible. All and any advice will be very welcome. Andy