Jump to content

MarianG

Registered Users

Change your profile picture
  • Content Count

    30
  • Joined

  • Last visited

Community Reputation

12 Good

About MarianG

  • Rank
    Basic Account Holder
  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Thanks for your thoughts everyone. Much appreciated.
  4. Thanks Babybear. Have already sent the letter you suggest and they have come back saying that they are not in breach and they are holding the account until the situation is resolved - ie. getting a CCA from MBNA 3 months after I requested it.
  5. My Partner put his debts with a debt management company called Spectrum including a debt for Halifax, which was then taken over by MBNA. He then received a letter from Link Financial saying they had purchased the debt, so when my Partner made an offer for payment to Spectrum he asked them to leave Link for him to deal with himself, after I had dealings in the past with them myself. He sent a CCA letter in early April to which he received a letter dated 17 April saying they would put his account on hold for 14 days as they had requested a copy of the CCA from MBNA. Nothing was forthcoming so
  6. Thanks MrMarmite. I will send the letter you suggest and see what happens next. I don't trust them.
  7. I have just received a letter thing where you tear off the perforated edges from this lot of trash saying that they have written to me but not received a response. It is true, they have written to me and I have chosen to ignore them as the debt is years old and in my married name (I have gone back to my maiden name 7 years ago) and I am sure it is statute barred. It is no longer on my credit file which is now clean. However, this new letter states that if they fail to receive a response to their communications, they will have no other alternative but to pass the account to their field collec
  8. I have just received a letter thing where you tear off the perforated edges from this lot of trash saying that they have written to me but not received a response. It is true, they have written to me and I have chosen to ignore them as the debt is years old and in my married name (I have gone back to my maiden name 7 years ago) and I am sure it is statute barred. It is no longer on my credit file which is now clean. However, this new letter states that if they fail to receive a response to their communications, they will have no other alternative but to pass the account to their field collec
  9. I have been in negative equity with Bradford & Bingley since 1993 when my house was sold for half of what I paid for it (during recession). B&B put the debt with a firm of solicitors called Drydens to start with and I paid £25 per month for a while. Then the debt was put with Experto Credite to whom I am also paying £25. (These payments have been on and off since the sale of the house). I tried to make a full and final settlement of £1000, which I was going to borrow, but to no avail - they wanted a lot more. I am 2 years off my official retirement age and will never repay this deb
  10. Thanks Curlyben, I will do just that.
  11. Thank you for your comments. I have signed the letter but not posted it, so I will print off another copy and send it minus the signature. Thank you again, I wouldn't have known about that. Sneaky b.......ds!
  12. Further to my last thread (Link Financial telling lies) of 18 July, I have now written the following CCA letter to them. Perhaps somebody could let me know if they think it is ok before I send it - it would be much appreciated: I require you to supply the following documentation: 1. You must supply me with a signed true copy of the credit agreement which refers to the above mentioned account. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) -
  13. Thanks everybody for your helpful replies. I will certainly send the Link Financial cretins a CCA letter and also request proof of the £1 payment I was supposed to have made. Should I reiterate though that the account is statute barred? I think I shall also contact TS - another complaint won't go amiss!
  14. I have recently been contacted by a company called Link Financial. They rang me at first saying that they had purchased a debt from Abbey relating to a loan and made it clear that they knew I had returned to my maiden name and was no longer with my husband (stating his name). They followed this up with a letter dated 12 June 2007 claiming that I owed £3777.95 and enclosing a letter, supposedly from Abbey, also dated 12 June 2007, informing me that the debt was being sold to them (why didn't Abbey write to me direct?). This was sent in my married name so the next day I received a letter dat
×
×
  • Create New...