I would ignore them and see what other letters they come away with. Do not speak with them on phone as they have selective hearing. I would however check your credit file as these wonderful caring people placed a default notice on my husbands file, despite it being a joint loan, one week prior to them being assigned the debt, which would add was over 5 years since any payment had been received. In the middle of disputing this with OC and Link. They are all hot air and wind to be honest as they leave it months between correspondence.

Thanks for your replies

Isnt it the case that you pay for your tv license in advance? I am on a monthly payment plan too and I thought what I paid goes towards the following year's license.

Yes it was.

Awaiting SAR info from creditor then going for jugular with CRA and DCA

It wasnt from a DCA it was from AA insurance that the 3 searches was done

I am dealing with these clever intellectual people too just now. Dont deal with them on phone as they have obvious hearing problems when I have screamed statute barred down the phone at them. Next step will be they will send you a dodgy looking statement followed by an assignment of debt letter which will be dated this month but the assignment date will be a few years ago. Check your CRF as the dirty rotten scoundrels put a default on my account 5 years after any acknowledgement from the original creditor and the date of default was one week prior to them being assigned debt. They are clearly not too bright when trying to work read a calander. Another thing to expect is not to hear from them for months on end.

Can anyone advise if there is a time limit for financial associations and linked addresses to remain on file and also is there any detriment to credit rating for these to be on file? Also I have done a notice of correction on file, does Experian contact the company before the notice of correction is added to the file. One final thing there is 3 searches by the same company on the same day, does this bare any ramifications to my credit rating? Thanks in advance for advice.

Thanks for all your replies and advice. I am peed off beyond words at the moment. Since 2004 we have had 2 mortgages no problem, earning less money than we do now, and all of a sudden once these sharks gets their hands on a debt that hasnt been acknowledged or any monies paid to since 2004 they think they can come along and whack a default on our file. The other thing is it is only showing on my husbands credit file, not mine and it is a joint debt.

I sent them the scottish version. Jasper what do you mean to be sure and mention the damage caused ?

I have sent off a SAR to GE consumer lending but is it worth sending one to Link too? I have also sent a statute barred letter to Link. And final question for this morning is, is it worth getting a note put on credit file regarding this matter or send the CRA a copy of the statute barred letter that has been sent to link?? Thanks again for any help

The CRA file shows that default went on same around same time Link financial supposidly accquired the debt from First National now GE Consumer Lending. Link accquired debt in 30th July 2009 but took them until September 2010 to write and advise that someone was obtaining credit blah blah. The issues I have with this is that last payment made by us was in Sept 2004 and according to CRA file account went into default in 21st July 2009 under the name Asset Link/FNB. Which is another trading name of Link Financial that purchase debts from GE and formerly FNB. Surely GE money would have allowed more than one week from default to getting the cowboys in to chase debt. We have received no letter notifying us of the default from the original lender, just from Link in their letter titled Sale of your Debt dated 2nd October 2010. I am wondering how it can take 5 years for the account to go into default? Next on 26/10/2010 received a statement of account on Link headed paper saying statement period 24/10/2009 - 23/10/2010 statement No 2 - would like to know what happened to statement No 1. Amount of credit, date of first movement being 04/08/2000 duration 120 opening balance and closing balance the same and then a small excel generated box stating balance brought forward then balance carried forward. Next correspondance was from them on 11/11/2010 YOU HAVE BEEN SERVED (served what i ask myself) saying that i received letter from them and the letter was legal requirement under then this part is in bold on letter Section 136 of the Law of Property Act 1925 and that they are disappointed we have not contacted them at their office, yeah we did contact them but obviously they chose to ignore the fact we had because we didnt roll over for them. And finally on 15th April 2011 we received a letter titled LETTER BEFORE ACTION. I feel that Link are conveniently making up dates to justify their intended hounding and legal action.

Not sure if I am posting this in the correct forum but need help and advice and any given will be greatly appreciated. We received a letter from the above, whom I can only describe as deceitful cowboys stating that someone was trying to obtain credit in my husbands name. This was in September 2010. Obviously not thinking anything of it we phoned the company and was advised they were chasing us for a debt going back to 2004 when according to our banking records a payment was made by us. We have since moved address a couple of times and have heard nothing regarding this debt until September. We have done our research on here and put it to them that we believe the debt to be statute barred due to the time scale involved. They advised us not the case. We said fine take us to court, more phone calls from them to which we said not dealing with you over the phone, put it in writing blah blah, more phone calls a couple of letters later and have heard nothing from them since November 2010. Was remortgaging our property with our current mortgage provider only to be told that they would have to decline our mortgage application due to our credit file. I then looked at our credit file and the only thing on it that would be any detriment to our application is a default notice that has been put on by this company saying we defaulted in 2009. We have had no written correspondence from those who the original debt was taken out with, despite being on the electrol roll for all our addresses we have lived in. I guess my main question is how can the default only be 2009 when in reality it should be 2004. And also what can I do regarding our credit file as it is this is stopping us remortgaging. We have had no problem obtaining credit or remortgaging in the past 6 years so I am furious that this is happening now. I now have a letter in from the cowboys last week stating they are seeking a county court judgement in respect to the debt. I live in Scotland and I am led to believe that statute barred is 5 years which questions why it can have a default showing on our credit file. Any help or clarity will be greatly appreciated. Kind regards