This is Links reply from my medical note from the doctor. nice that they address me as Sir/Madam

Forgot to mention that link used my £1 towards my debt which was meant for the CCA request thing!! Grrrrrrr I told them to take it off!

Hi A long drawn out battle I'm afraid. I received a photocopy of my original agreement with GE money but noticed no date next to my signature? I've tried to sort things out with Link but to no avail. My statement of means shows a negative each month so that didn't help. I unfortunately suffered a break down last Christmas which culminated in me having 3 months off due to financial loses for which link were contributors. they phoned 2 weeks back which really annoyed me I said I will be sending a letter from my GP to prove that this has caused me too much stress. This loan was for double glazing taken out in 2006, the house was repossessed in 2011 and there is no trace of my X partner. There has been nearly 4k added to the loan in interest and charges etc. My question is, can I use a company or financial ombudsmen to recover these unfair charges and pay the loan off (2.5k or so) or just fight my corner medically? Any help much appreciated.

I never had PPI on this account but we were and, have been constantly charged for late payments and penalty charges etc! can I claim these back?

Thanks I'll send the request and total up the charges!

Thanks, I'm not entirely sure what the CISHEET is? do I request the SAR from Link or GE?

Thanks for the reply! So this will be enforceable without signature dates? my ex is untraceable so I'm lumbered with all of this unfortunately. Do I highlight every charge on the SAR, calculate them then claim those back? and do I go directly to GE money or Link for the SAR? Really appreciate your help on this.

Hi guys! I'm in a situation with Link Financial and GE money. Myself and ex partner took out a loan with GE money through Safestyle windows, frankly, we were badgered into taking out the loan but needed the windows unfortunately. to cut a long story short, I left the house after a break up with the ex back in Jan 2008, she made various payments to Link then stopped, the debt was defaulted in 2009/2010 as far as I can make out from my credit file at Experian. The house was repossessed in 2011 and I haven't heard a thing from my ex since, I have no idea where she is and am now stuck with this £4000 debt with Link. I decided to contact them in Feb 2013 to sort things out as I want these cowboys off my back and credit file! I have no other debt apart from this one. I requested the CCA and received that before the 12+2 days deadline, it is a photocopy BUT the interesting thing is that although we both signed for the loan we never dated our signatures? Do I have a case here? One last thing, I'm sure they have charged for late payments and unlawfully added interest too so I will request a breakdown of payments. PLEASE HELP AS THIS IS STRESSING ME OUT! Thanks Darren Here's the CCA [ATTACH]44377[/ATTACH]

I've had this conversation with L'woods a few times to no avail! Thanks for the advice I will send them an SAR. are late payment charges unlawful? they were £12 a time!! It surely does not cost that does it?

Thanks I will get to work ASAP Littlewoods inform me that they request £5 for each statement? which totalled £850 from opening the account to present. I was charged countless times over a 4 year period. What should I do?

Greg Pen was my partners dmp, she's said as far as she is concerned it's all done a dusted! I disagree and will deal with it and, get her some money back if I Can? the robbing B******S!! Excuse my rant I'm on a mission!!

Gregory pennington DMP, various creditors Equidebt- Woolwich loan Littlewoods catalogue HSBC x2 current accounts Barclaycard This is what I can remember as it was back in 2007-2011 (pay off date)

Hi This is very interesting and I would really appreciate some advice please? I am currently dealing with the Link Financial cowboys, it's very early days but I have sent them a 'prove it letter' so far (updates soon) anyway, myself and better half had 10+ creditors and paid them off in 2011 and we did send back IE forms for most of them during our dealings! arrgghh I never knew they couldn't legally request this info. Is there anything we could do about this now? like I said, all are paid off now many thanks in advance. Ps. this site is fantastic, I just wish I had found it years ago when I had financial problems.