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About midastouch154

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  1. Thank you dx. I hate DCA's and I will fight them with all I've got rather than give them a penny of my money. This CCJ is over 6 years old now, so I think would have to go in front of a judge if they want to enforce which would mean proving assignment. I'm hoping they'll just bugger off now but know that is unlikely and it'll be passed on to someone else to try their dirty tricks.
  2. Just an update on my case # 2 above. I've been in communication with Asset Link's solicitors [Kearns] basically refusing to pay them a penny until they prove assignment. They threatened to go back to court to enforce the CCJ and I told them to go ahead as I would welcome the chance to go back to court to see the proof asked for. Got a letter today from Kearns telling me they are returning the account back to Link Financial Outsourcing Ltd as servicer on behalf of Asset Link.
  3. Clearscore and Noodle are both Free Credit Reference Agencies and will have all your credit history on file for the last 6 years.
  4. Regarding Case 2 with Asset Link, I thought I'd just add an update. Even though there is a CCJ attached to this debt, I contacted Asset Link with a CCA request which they have failed to deliver on - despite contacting me saying they would do so within 30 days. Their solictors [Kearns] got a similar letter from me saying that I refuse to pay them anything until they can prove that assignment was done legally and within the terms of my agreement with Lloyds. Kearns have now responded and told me that they have contacted their clients to get a copy of the agreement and dee
  5. It's there in black and white. They can't take you to court so just ignore them. They can do nothing and will probably pass this either back to Lloyds or another bloodsucker.
  6. If I were you I would just stop paying and ignore Moorcrap. Lloyds would have taken you to court long before now and Moorcrap can do nothing. They'll eventually return the debt to Lloyds who will probably pass it on to another blood sucker.
  7. Dorabell - did the SAR give you any useful information? I'm in a very similar situation to you with LTSB - see my thread. Just got another letter from Moorcrap this morning noting that I've paid their client direct and not them. Shame.
  8. The court never notified me [Northampton], which is why I suggest you ring them every few weeks to check. These varying orders by Asset Link were done in bulk and not on an individual basis.[removed]if you ask me as they haven't needed to present to a judge any evidence that they own the debts in the first place.
  9. Something important to consider here. No doubt a hell of a lot of Lloyds debts have been sold to Asset Link recently. A lot of these debts will have CCJ's attached. Asset Link WILL have those CCJ's amended to show them as the claimants. I only know this because I contacted the court to find out. If I hadn't, I would have had no idea and I suspect that is the reality for the majority of customers. Now, if Asset Link decide to enforce these CCJ's - and some will have C/O's attached, I foresee that there will be quite a few problems up ahead to those that are unawar
  10. Yes that may be a good idea. I assume it's their head office I write to? Thanks,
  11. Well I'm not paying Asset Link. Let them do their worst. I'm past caring to be honest.
  12. Keep an eye on it mate. Asset Link bought my debt from LTSB in June 2016 but the CCJ didn't change until the middle of August. Northampton Court are clueless too and gave me the runaround once it was changed. I've started my own thread so as not to hijack your. Good luck - I'll be following this with interest.
  13. I have two cases with LTSB which are quite complex so please bear with me. Case 1: LTSB credit card debt pre 2007 - CCJ obtained by defaul at Northampton in 2011. I intially defended and it went to a full hearing which I couldn't attend due to family issues and my ental state at the time. They sent some big-time lawyer to the case which added £4K to the CCJ bringing it to near £19K with no interest payable. Got a variation order and have been paying £50 a month since 2012 without missing a month. Debt now approx £16.5K. I got a leteer last week from Lloyds sa
  14. You might wish to check with the court regarding Asset Link. I'm in pretty much exactly the same situation except I don't own my own home. LTSB sold one of my debts to Asset Link and the CCJ now shows them as the claimant from the start according to Northampton. The physical copy I hold in my hand though shows LTSB as the claimant so Asset can go hang. My other CCJ - much larger amount - has also been passed to Moorcroft. No idea why as I've been paying £50 every month for over 4 years without fail and I won't be dealing with or paying any third party. I'm sorely tempted to just stop payi
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