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cleanbill

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About cleanbill

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  1. Thanks @dx100uk I'll sit tight then
  2. @Andyorch still not had anything from link. Just wondering - should I be submitting a complaint to the Financial Ombudsman Service about link chasing me for this debt without providing me with the information requested?
  3. @dx100uk and @Andyorch is there a minimum time I have in which to respond to these letters? I've not currently sent anything back to Link. Any help appreciated.
  4. Hi - just wondered if any advice here? Or have they got me, and I just need to pay?
  5. Sorry for redacting too much. The letters are dated 26 September, and arrived together (same envelope). The received date referenced on their letter is 19 September. Does that give you what you need?
  6. Hi - I have received a response from Link - see attached. What do you think? Response 1.pdf Response 2.pdf
  7. Thanks Andyorch - very much appreciated. So if I respond with the following - that should suffice? Having reviewed the documents provided I note they only appear to have the ‘ticked box’ acceptance, as applies to an online application. At the time these accounts were taken out with MBNA, the contract would not have been considered legally complete until I had signed and returned a paper copy of the agreement. In accordance with the Section 77/78 request, please can you provide me with the copies of the agreement which have my full signature.
  8. That would have been 2012 as well, I set up a direct debit with them.
  9. Not making any payments currently - stopped paying Link in March 2018. The last payment I made directly to MBNA would have been in 2012.
  10. Hi Back in February 2018 I sent Link Financial a CCA Section 78 request relating to 2 MBNA credit cards. I had , stupidly, been paying off the debt on these cards on a monthly basis, but stopped the payments once Link failed to respond to the request in the required timeframe. Last week, they sent me through the agreements I had electronically signed with MBNA when the credit cards were originally taken out. A couple of things that struck me as odd on this: first, the letters from MBNA to Link are dated March 2018, so only 1 month after I sent t
  11. No, unfortunately not. Just statement of the account at the time the payment plan was agreed, and reference to the date that the agreed monthly payments would start (May 2013). I have the letter that references the transfer of the account to Link, but that does not mention the arrears or default.
  12. That's correct. Should I query it with the credit reference agencies?
  13. That's correct - no default date showing in the summary. It shows the account start date as July 2008 and the payment start date as July 2008. But in the status history it just shows as OK from Oct 2016 when the debt was assigned to Link.
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