Another letter received from Link. Is it ok to still ignore? It’s just saying they can help us get back on track. Address upto date and not showing on credit file. It was an old secured loan from Picture. House it was secured on was repossessed in 2014. No payments or contact by us have been made. Thank you

I was pretty sure I’d updated Topaz when we moved 9 months ago but couldn’t find proof of posting so I wrote again just to make sure. Husband didn’t sign the letter just putting his initials and surname. They’ve replied back saying they can’t verify his signature so need to call them. I’m guessing this is just so they can talk to my husband. Does he just send another letter informing of our address and sign it. Thank you

It’s the actual mortgage company that’s writing to him. Will they likely pass to a DCA? We have had the same letter about 3 times before just stating their intention to claim the money back but we’ve just ignored them.

Thank you Im just worried about the stress that debt brings. Apart from a secured loan from Picture all other debt is long statue barred. Im guessing as they have 12 years to chase they can still try and get a CCJ even after 10 years

Apologies. I looked under my Username and I could only see my topics about Picture and Police contacting my daughter about an alleged accident. Ive read through the post and now I remember they couldn’t supply the actual application form and they sent a blank once and a copy of the T&C’s. Is it worth me writing to them stating I don’t want any field agents calling and to keep all communications in writing and maybe asking the to supply a copy of the completed application form. Many Thanks

If you’re not eligible for UC then you can set up a payment plan to pay it back

Please try not to worry. I had a problem a few years ago where I was working and my husband was on the sick. I hadn’t realised that after his SSP ran out I wasn’t eligible to claim childcare. There was over a year of being overpaid. They worked it out for me, wrote to me and took payments from my future tax credits awards. It took a few years but it’s all been paid back. No threats of prosecution or prison. They just wanted the overpayment back.

I’ve had a look and don’t think I’ve posted about this. In 2014 our home was repossessed. No payments made since May/June 2014. Husband became unwell, lost job and everything went wrong. Ive kept them updated each time we have moved and yesterday my husband (was a joint mortgage) received a letter from them chasing the outstanding amount of roughly £50,000. It was an interest only mortgage. Im unsure how to deal with this. I deal with everything on his behalf due to his physical and mental health problems, They are asking for us to pay the outstanding or come to an arrangement to pay. They have enclosed an income/expenditure form to complete and if we don’t respond in 14 days they’ll send a field agent to the house. They have also said they’ll contact his employer or apply a charge to our property. Husband hasn’t worked since becoming unwell and we rent through a housing association. Could I have some help please in responding to them. I’d rather nobody called round and we have nothing to offer them. We live off Universal Credit, ESA and PIP. Many Thanks

Yes she has a record of the chat. The DVLA said roughly 6 weeks to respond confirming she’s not in any way attached to the car. She did email the officer back but she’s on leave until 17th October but I’ll tell her to email again attaching the transcript. When it’s resolved can she make a formal complaint and where would she start. Thank you

Further update. Officer named on the letter sent to daughter regarding a RTC has replied saying they got the information from the police database that is updated by the DVLA and that her details are connected to the car as the logbook/V5 has been completed using her details. Daughter has used online chat with the DVLA who have stated that she is not down as the owner/keeper of the car and never has been and if she sends a letter to them they’ll reply confirming this. Ill get her to send a letter to the DVLA tomorrow. In the meantime do we just wait for the police to contact her when they receive the s172. Thank you

I knew one day it would catch up but at the moment we are trying to find a new home as our landlord is selling so got enough to try and sort out. 1 last question though. Would Link know the debt was originally a secured loan?

Actually come to think of it Picture did pay the other creditors but I can’t remember who they were. Is it worth doing a SAR to find out?

Thank you. Does the fact that it was secured (not anymore) and not regulated due to the amount make a difference to how they can pursue it. If I remember we took it out in 2006 but in 2007 we wanted to move and originally they refused to allow the sale of our house to go through unless we paid it off which we couldn’t they said if we consolidated other debts increasing the loan we could that’s what we did (we were desperate to move as my father had cancer and we lived 200 miles away) The last payment I think was around 2014.

Of course

Just a quick update. Daughter spoke to advisor on 101 who spoke to officers at the police station that sent the letter. They are at a loss as no reference number on the letter but the officer named does exist. They’ve just advised to fill out the s172 and return which I’ve done today. I’ll update when we hear further.

In 2007 we had a Picture home loan secured on our property. In 2014 the property was repossessed and since we haven’t made any payments. I have kept them up to date when we have moved home. The loan no longer shows on my credit file. I received a letter from them a few days ago saying they were transferring to a company called Asset Link Capital (No.7) Ltd. Today I have received a letter from Asset Link introducing themselves and saying nothing will change other than they will be collecting payments now. What is likely to happen now? I guess they’ll be asking for us to restart paying but we don’t have the money to pay. Can they also mess up our credit files which are now good and show no debts. I do remember being told as the loan was secured they have 12 years to chase the outstanding debt. Many Thanks

Hi It was just a standard printed out form which wasn’t signed just the PC she should contact. It was just on it’s own it an envelope with her name and address hand written on it.

Hi No, never borrowed or hired the car and not been to the area where the RTC took place. We don’t know the time of the accident but she’s pretty sure that day she was at work between 7-3 and then out drinking in Sunderland that evening as if I remember clubs had just started reopening. The incident occurred in Newcastle.

Hi Yes it’s a S172 so she’ll complete and get it posted off. The registration number is absolutely nothing like hers was at the time. Not 1 letter/number matches her car at the time. She has left a message on the police website under contact an officer. Which address is best to return to, the return address on the envelope or the address on the s172 letter. Thank you

So to give fake details they’d have to know my daughter. Also don’t suppose you know why they’d suddenly write to her 2 years after the incident. Thank you

Thank you for your reply. No the registration numbers are not similar. Her car at the time was a 56 plate orange Suzuki and this car is a 17 plate silver Renault. The incident occurred roughly 30 miles from where we live. She has no idea where the area is as she’s never been. She searched back on social media and she was out drinking in Sunderland and this accident occurred in Newcastle but we have no idea of the time the incident occurred. Theres no phone number on the actual letter just a PC’s name so as you suggested we’ll use the telephone number on the website. She’s heard nothing of this so called incident so strange 2 years later they send a letter.

My daughter has received a signed for letter from Northumbria Police regarding a RTC in September 2020. The letter has her as the owner/keeper/hirer of a vehicle with a registration number she has no clue about. She’s really stressed as can’t contact anyone until Monday. She does drive but not the vehicle registration it’s saying and she’s never owed a car of that registration and has never been in an accident. Everything about the letter seems genuine. Where do the police get the information from? I’m trying to tell her it’s an error but she wondering how they got her name/address when the vehicle registration isn’t hers. Thank you for any advice.

Just a quick update. Daughter emailed and sent a letter cancelling the IVA. She has had no reply in writing but they did try and call but she was working so didn’t answer although I’ve advised her to ignore. Santander also called her today saying that the IVA is cancelled and the arrears have been spread over 6 months. Thank you for all the advice.

The letter she received from Santander was to call and pay the arrears and reset the DD up. She called to do that and as nice as they were they said she had to cancel the IVA first before she could pay the arrears. Ill get her to send a letter to cancel the IVA. Shehas cancelled the DD for it and done a reclaim.

Thank you. She emailed yesterday to cancel the IVA but so far no response. Santander say until it’s cancelled they won’t be able to do anything.