last week I had a phone call from a guy called roger who claimed he wrote to me in dec , and I had not contacted him , I said I have had no letter , asked what this is about he said I need you address , needlessly to say he got told where to go. .few days later a letter arrives from a company called link finance , I call them and find out its for a debt from hfo handed over to them. .. I stated I had a mental health problem(bi polar) to which I was told we don't care , how you paying us to which I said , you have got no chance in not so many words , explained I wrote to hfo requesting documentation none came , 5 yrs later this , have asked for a notice of assignment , the original credit agreement (£1 postal order) also I have asked for copies of any payment to hfo acknowledging the debt ( no money paid out to hfo )and also does 2 phonecalls 3 letters in a week and abuse of me and my health issues constitute a offence under the prevention of harassment act 1997. ..also can they just threaten to take me court with out me going to defend myself . I appreciate any advice

i have had a Barclaycard for around 10 years and managed to run up big debts on it (aprox £12k). I ran into trouble after a period of being jobless and Barclaycard closed my account and agreed that they would freeze all interest on the account if i made regular repayments of £50.00 a month , at the time this seemed like a good deal overall as i wouldn't be getting charged interest and did genuinely want to clear the debt. I have just realised... (been sent a default notice by Asset Link Capital). . that payments for the last 3 months haven't left my account to Barclaycard. . am now paying £54.00 a month. . genuine oversight on my part don't often scrutinise my account. Asset Link Capital have told me by letter that i need to clear the payments they haven't received, which amounts to £162.00. Not having this amount of money to hand i rang Asset link Capital and asked them if i could just simply start up the repayment agreement with them to which they replied no, i will need to settle the late payments or am in breach of my agreed payment plan. when i asked what action they will take i was told they will apply a default to my credit record and "MAY" apply to the court to get full payment from me... currently £8000 ish... I guess my question is, why did i not receive notification from barclaycard that they were passing my debt on? they should have told me right? also... in layman terms what do their threats actually mean? Sorry for the long post Thanks in advance for any advice

Hello all, I've had a long standing MNBA credit card that I've been slowly repaying at ludicrous rates of interest for a very long time, I was out of work for three months in the summer gone, MBNA were very reasonable, froze the account for six months when i got back into work they refused to agree to any sort of payment plan other than a capital sum and essentially insisted on defaulting and selling the debt on. So the seemingly rather notorious Link Financial have now invited me to call them to discuss options. I've just posted the CCA template letter, along with £1 PO and a printed signature. I'm a seasoned veteran of the happy time of bank charges so have the general gist although I'm a bit rusty, I remember how good these threads were for keeping continuity but of course all good advice is welcome. The debt is a little under £10k. Broadly speaking where is it likely to end up? I can afford a certain amount of monthly repayment but a capital sum is out of the question. Thanks Micky

Hello to the forum. First things first I would like to say a big thank you to all the people that have posted on here as it has been a great help to me in my fight with them- link, over the past 3 & a half years!! My situation. The usual pre 98 student loan. Never paid, recognised or did anything & had completely forgotten all about it until out of the blue, July 2011 a letter from link! I’ve batted with them for well over 3 years now. Done the statue barred thing only for them to come back with the CCJ thing by the student union in 2001. the question I have is this and would be very grateful of any advice; Link have not given me any paperwork and have only provided me with a reference number to the alleged CCJ and repeatedly claim that this is proof enough that the alleged debt is not statue barred? For some strange reason they seem to think that I am just going to accept that I have checked with Northampton CC where they claim it was issued (although in one conversation on the phone with them they told me it was Chelmsford CC after I said I checked with Northampton CC…hmm?). Checked the trust register online, phoned registry trust & checked my credit report & nothing anywhere. So is there actually any official way for me to check if this reference number is actually valid? I find it a strange situation that it seams all these official companies destroy or archive their records after 7 years as they are no longer valid yet a CCJ never becomes invalid, in a sense so we seem to be left with the situation where we have to take the word of this well dodgy company link…hmm!! Who I do not trust one tiny bit as they have lied to me on several occasions now and I get the feeling, especially after what I have read about them, that I wouldn’t put it past them to just copy & photoshop any old CCJ and claim it is mine if there is no way of actually officiating it?? I am now in a circular situation & I just don’t know how to get them off my back anymore. I’ve sent them the statue barred letter. I’ve told them a million times to take me to court but they wont as they know dam well that it will be a purple blue moon before for a judge is likely to reissue this CCJ as I fit all the criteria of the limitations act, it’s been 10+ years with no contact whatsoever, I've been easy traceable during that time and not committed any kind of fraud so they have no chance in court and they know it! Even if they did take me to court I would rather pay a solicitor £6grand to defend me than give this company the £3grand they allege I owe them as I dislike them so much, to put it mildly!! They know dam well they don’t have a legal leg to stand on so they just harass me with their constant phone calls (that I have a log of) and their letters# (which I have every one of), it’s just pure intimidation and I’m the type that will fight back, I’m just sick of it now though! They keep on claiming they have a CCJ by way of just giving me a reference number but I cannot officiate this anywhere so I have to take their word for it…hmm! In the meantime they are free to just harass me by demanding money just because they say they have a CCJ and given me a reference number, is this at all legal??!! # As an added note to their letters. They are constantly adding interest to the alleged amount even after I have sent the statue barred letter and I was under the impression that it would be a rare CCJ if they were allowed to charge any interest. So by adding interest are they still trying to claim the debt that I have clearly stated is statue barred as if they were trying to claim the debt by way of the alleged CCJ then it would be for the judgemental amount?

Hi All I am hoping that someone can help me. My husband and I purchased a new kitchen from Magnet, costing £5000, when we bought our first house back in 2004, which was on finance. We were not explained the details to the agreement in any way and were informed that the agreement was over 5 years. Once the agreement had been signed we received paperwork from First National Bank that the agreement was actually 10 years, we queried this as we weren't happy that we would have been paying back £10,000! We paid as normal (no missed payments) until my husband was taken seriously ill (cancer) in 2010. He lost his job and due to a technicality the serious illness cover did not pay out. I contacted GE Capital (previously First National) and made them aware of the situation and asked if they could freeze the interest so that we had a chance to pay it off - the payments I was proposing would not have even cleared the monthly interest. To cut a long story short, they said no, told me to stop paying altogether so that they could sell my debt in which case the interest could be frozen and this would be better for me. I did that, they sold the debt to Link Financial who did not freeze the interest and continued to charge interest, meaning my debt which had been reduced to £3,500 was now back up to £7,500! They also then said that my payments of £50 per month was not enough and that they were now going to get a Legal Charge against our property, (again added more fees) and that they would pursue for the full amount. I want to know if this is lawful, can I challenge the charge? Can I actually challenge the agreement? I feel we have been dealt with unfairly and they have acted very unkind especially given our hour of need. What can I do to resolve this matter? Any ideas would be greatly appreciated. Thank you in advance.

Hello dx100uk has suggested I start a new thread. I have a lot of different debts and have been making payments to all of them that I arranged myself directly. It's my intention to get everything paid off eventually. MBNA have now sold my debt to Link Financial Outsourcing and it stands at £20,688.26 I had been paying MBNA £17 per month. Link Financial have said they will honour this "informal" arrangement until the review date agreed with MBNA or 6 months from the date of the letter (23rd December). I think the card was taken out at least 15 years ago. Should I continue to pay Link the £17 per month? DX suggested I send a CCA Request do I send that to Link now? Thanks

City Link customers are being urged to collect parcels from depots on Monday. The firm also said parcel depots would "remain open for a short period of time" to enable customers and intended recipients to collect their parcels. Sky saying one million parcels still at their depots. http://www.bbc.co.uk/news/business-30621884

Hi people - i'm hoping somebody may be able to help me out with some advice. I'm currently in a DMP with Stepchange and have been since 2011. One of my debtors was Barclaycard. I have today received a letter from Link Financial, informing me that at the time the debt was sold to IDR Finance UK II Ltd, I had agreed an informal repayment plan. They have advised that although a default notice was issued by Barclaycard in 2012, it was not followed up with a formal demand and therefore it continued to be reported as "in arrears" to credit agencies. They claim that "working with Barclaycard they have identified they have been reporting inaccurate info about my account and are now correcting it". They go on to say I can continue paying the previously agreed amount via stepchange, however if there is no change to the amount then they will issue a default as from Feb 2015. They have enclosed a formal demand with the letter, which also states if a satisfactory agreement is not reached within 28 days the file we be reported as a default. Now dont get me wrong I know have defaulted on the debt, and if the default was "backdated" to 2012, I would have no issue as it is when i defaulted and I have others defaults around the same time. My concern is that this is going to set me back 3 years in terms of getting a clean credit file and I have worked damn hard to get back on track after having my initial problems. I cant help but feel this is pure bully boy tactics. Can anyone offer any advice? Thanks

Posting after a friend has sought advice from me. They owed a debt to HFO. No concerns re: PPI or unfair charges, and they were paying it off month by month at an acceptable (to them, and apparently HFO!) sum. They then were in a position to make a full and final offer (after a relative became aware and offered them a capital sum to clear it off, provided it was a full and final settlement, and HFO agreed to make their credit report as 'satisfied') The sum outstanding was in the region of £510, and they settled it with HFO on those (F&F/ marked as settled) terms for £175 in August of this year. They have received a letter from HFO noting it as a full and final (though, they haven't the letter to hand but can 'dig it out' if need be!, which I suspect they may have to). Lo and behold!, they have had a letter from Asset Link Capital (dated early December), that HFO have sold "the account" to Asset Link Capital (No 5) Ltd (ALC5), and that they (ALC5) have appointed Link Financial Outsourcing Ltd ("Link") to amange the account on their behalf. ALC5 are claiming a balance of £335-odd, which equates to the £510-odd less the £175. My friend has phoned (!) ALC5, and informed them that they made a F&F to HFO. ALC5 have told them "all the people you'd need to talk to are busy, but someone will call you back"! They have then let me know of events, and asked for advice. Beyond: A) DCA's lie B) stay off the phone to DCA's, are there any major issues / pointers I can pass on to them? 1) should they have been given a copy of any Deed / Notice of assignment? 2) I take it that once the F&F was accepted, as a full and final, that there was nothing to sell on to ALC5, and that referring ALC5 back to HFO is the way to go? 3) If ALC5 refuse to accept a F&F was made, what is the best way forward? a) Insist "in writing only'? b) Single letter back, stating events and denying any liability to ALC5? c) if ALC5 insist on trying to communicate : tell them "take it to court then, since no payment will be made, and you'll lose in court"?? d) how important / how urgent is it to dig out that letter from HFO (unless it goes to court, where it would no doubt be key, and fatal to any case by ALC5!). Is there any comeback on HFO, or will they claim "admin error" (as usual). Is it worth them SAR'ing either / both of ALC5 or HFO?. Thanks, BazzaS

Link bought four of my barclaycards with average amount of debts over £10k each and I am paying £1 one of them and the rest of £55 each I had the cards for a long time over 12 years but nine month ago they have sold it to Link Link wrote to me at the time and said they are happy for me to carry on these payment And so I did pay on time since and they have not said anything so far. MY debts is about £50k and this was mostly due my business But the good thing about this is There is NO DEFAULTS on my file with any of my barclaycards I am wondering why this is or any suggestion what i should do I am happy to carry on with the payment for next few years but where would that ends

I have had the experience from hell over the last week and a half in trying to get an electrical item delivered which i sold on ebay. Things started going wrong from the off, booked courier through myparceldelivery.com, which was city link, took a day off work to wait at my fathers address for the pickup the idea being easier to collect from my fathers address no stairs etc and 30kg item. They didnt turn up , spoke to myparcel live chat who apologised said driver turned up and spoke to me and i had arranged alternative transport lol. (at this point i must have been mad to continue).live chat man continued to say they could arrange alternative pickup in 2 days from ups which i declined, instead my father kindly drove the oven to the nearest depot, since this point there have been 5 failed deliveries to the receiver the last being where the receiver was told the package had been badly damaged, he said he would still like to check if they could redeliver, he was expecting delivery the next day, of course they didnt turn up. I rang myparcel to find out what was going on, same live chat man said he would call me the next day when he had contacted the delivery depot to find out what was happening. 5 oclock the next day nothing heard so i ring him, to be told they still havent got back to him ' extremely unusual for them not to respondl' bla bla bla, at this point i just want my oven back wherever it is and it is friday 5.30, i somehow get through the automated city link customer service line to speak to someone after half an hour, she said from her records item damaged delivery to be returned to me etc, she said she would ring the depot to find out what damage was at my request, after 10 minutes or so it turns out they cant find it in their storeroom ! so it is down as lost. i would be very thankful for some advice on how i should proceed, i sold it for 500 pounds, didnt insure it etc, am i likely to be compensated if it turns up damaged or it is actually lost? myparceldelivery should be ringing me tomorrow but probably wont

OK after concluding my case with the OC I am now in a position to deal with this. History Launched action Against OC for unlawful penalty charges and interest in restitution. This case was concluded to my satisfaction. The debt had been previously sold on to IDR. The OC did not purchase or buy back the debt. Now its time to wrap this up. Outstanding balance is £2670 ish I am unemplyed (but waiting for last paycheck to come in) and then will apply for benfits while I seek work. Both the OC and Link answered a CCA request with a reconstituted copy plus a few variations from where the account was varied. Account was opened early 2000's no later than 2004 Am I right in saying as this is a pre 2007 that a reconstituted is required for enforcement? Also am I also right in saying that as they varied the contract they MUST provide a true copy of the original? The reasons for asking this is that I am wanting to build a case to allow a discounted F+F settlement Advice on how to proceed? Thanks peeps.

Hello Hope this is in the right place. Attached is the letter i have received as i have had a maor stumbling blovk with selling the house as they wont complete whilst this is still on? Is it too late for them to enforce the charging restriction being from 2006 or am i liable to pay this form the profits from the sale if i agree? Thanks in advance Michael

OK long story simplfied. --------------------DCA--------------------------- Barclaycard taken out many years ago. Credit card charges account for £900 of the balance. They then SOLD the debt of £3300 to Link. They have provided me with deeds of assignment to prove it. On 25/03/14 I requested the CCA from Link. On 31st March they replied stating that they did not have it and were requesting it from Barclaycard and would take 30 days to get this. Even by their time scale this expired 3 days ago. So I shall be sending the unenforceable letter and removal of default on Tuesday. -----------------Credit Card Charges Reclaim------------------ I did a limited SAR on Barclaycard them asking for transaction lists. They were kind enough to send me statements going all the way back to 2003. As a result on 15/4/14 I compiled a list of charges and lodged a complaint requesting the full charges and 8% interest back. Despite Selling the debt on to Link and contacting me at this address and sending me all the statements they claimed I was not who I said I was and closed my complaint and told me to go to the FOS. They did not even go through the process of trying to establish my identity. As a result I have submitted a complaint with the FOS on 29/4/14 Now here is my question. I know I am not obliged to accept the FOS decision. Can I now alter my claim and add restitution on top of my claim already if I take it to court? I was unaware of restitution when I submitted the claim. If I apply it it comes out more than the debt is worth.

The FCA sent me this link so I can check on what DCA is what and if they have any complaints and much more hope it is of help to anyone http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew Or this one http://www.fsa.gov.uk/register/firmSearchForm.do MM

Hi there, I sent a CCA request to Link financial on my pay plan DMP back in December 2013. Their first response received last week - three months later! Though, I live abroad and it takes a good month for mail to arrive. Their letter was dated 25 Feb. It does not quote anywhere how much I owe them, nor does it make mention of my CCA request. It simply states that I have missed payments, and the repayment plan has been cancelled (i.e., off of the payplan DMP) They ask me if there has been a change in my personal circumstances, and then threaten that they will recover the debt "if needed, pursue you through your local county court" Next steps, anyone? Thanks!

Hello everyone, This is my first post so you will have to excuse me if I miss anything out which I should have written. Back in 2009 at the young age of 21 I took out vehicle finance through Santander Vehicle Finance. I set up the initial payments but defaulted twice, as I had foolishly set the payment dates to part-way through the month. As I had moved from my family home address to another part of England, I had not received any notification of default (granted, it was my fault for not updating the company with my new details or checking back with my parents at the time). I subsequently received a telephone call and correspondence from a baliff/debt collector (unsure as to which) who stated that Santander had ordered the vehicle to be repossessed. I informed them that I was unaware of the default and would happily pay the outstanding amount, but this was rejected and my vehicle was subsequently repossessed. Since then, I was contacted by Link Financial who informed me that Santander had sold the debt to them. I have now been told that I must pay the outstanding £3,000 of the debt off to Link. My question being, am I legally bound to pay this debt, seeing as I only had use of the vehicle for around three months before it was repossessed. It seems rather excessive to pay of such a large amount of money 'for nothing'. I have been making regular payments of £75 to Link, and previously made higher payments of £150 - 180 to try and clear this debt quicker. Do I have to pay Link, and if not, am I eligible to claim back any of the money I have paid to them thus far?? Thanks in advance!

I took a top up student loan in the last year of grants/first year of phasing in of student loans. Due to not earning enough through my early employment career, I deferred, and deferred, made the odd payment here and there. I was made redundant in 2005 and was unemployed for nearly 2 years, during which I had a lot of debt sorted out through the CAB. SLC didn't agree to any arrangement. Fast forward to December 2012/January 2013 and I get a letter from Link Financial, unfortunately I haven't got a copy of this, but they definitely passed themselves off as acting officially on behalf of SLC. Not wanting to be falling in to debt problems again - and particularly with a government endorsed organisation - I phoned Link Financial, initially demanding that the debt be handed back to the SLC, eventually coming to a £50/month payment arrangement with Link, which is taken via a debit card. I have obviously now learned that Link are, shall we say, somewhat of a rogue outfit, who resurrect bad debts to fill their own coffers. Is there anything I can do now that I have actually made an arrangement with them? I just received an arrears letter today which triggered research that lead me to this forum, and a while ago I received a similar arrears letter, which was a bit scary as I hadn't missed a payment, tried to call them on their 0843 (or similar) and put in their queueing system for 45 minutes, and hung up before I spoke to anyone.

Yes, it's them again. I have been assisting my Brother-in-law in managing some debts, which got "out-of-control" during a period of redundancy. Now, he had a debt with British Gas, which I assume was sold on to Link Financial - any paperwork, e.g. letters are unavailable. But, the debt is subject to a CCJ obtained by Link, which ordered payments of £40 a month, to clear the debt of £4,500+. Link have been kind enough to supply me with a copy of the court order and form N9A. And this is where my legal knowledge is lacking. I have two issues with this paperwork. First, the form N9A, defendant's submission was completed and signed by proxy. My brother-in-law hadn't seen it. Now, this may be considered acceptable practice. Secondly, the Court Order specified monthly payments of £40 "until the debt is repaid". Link have been adding interest at the rate of £60-70 per month, escalating the debt to some £7,000 now. I have written to the Court on these two points. On two occasions, they have refused to comment on the basis that they do not provide advice. Even though I did point out that I was just after a confirmation of their Court procedure and clarification of the Court Order that they made. I have now asked my MP to look at my issue and explain why a public servant is not helping a member of the public. I have also written to Link, advising them that I am looking at these two legal issues. In the meantime, I have offered Link a full and final settlement of £1,000. Link have already put a charge on my Brother-in-law's property, which I will ensure is cleared as part of this settlement process. Given these basic facts, I can see that I could have followed another path to tie Link down a bit further. But, is anyone able to provide advice about this CCJ procedure as I feel it may have been somewhat misinterpreted?

I've had Link pursuing a debt for a good 3 yrs. The debt is what one was First National, then GE Money, for some home improvements back in 1996. The original agreement was in joint names with my ex-wife, we split in 2005, sold the house. In the mayhem this debt left with a balance of £500. The original loan was very high interest and I've been considering a PPI check against it. Link have taken over the debt and have harrassed me for 3 years, inflated it to in excess of £1100. They go quiet for 6-7 months then start again, now threatening action through Elmwood Park. I dont think I've paid anything for over 6 years but cant be sure. They are only pursuing me, not my ex-wife (they never contacted her). Surely technically this is wrong? I have never received any correspondence saying the debt was assigned to these guys. Reading other threads I note Elmwood use CCJ's and Bailiffs which is worrying Is there claim invalid? - due to the nature of their harrassment I'd prefer to pay them nothing at all

Hi I need help, I had a student loan in 1997, and was deferring until 2011 when I was made redundent and thought if I wasnt working I didnt have to defer anymore, thesis took hold of the loan, but I didnt make any payments, now link have rung saying no payment plan can be considered, I have 48 hrs to find the money, she told me to borrow it from family, which I cant as its £1800. Or I will be given a ccj and peopke will come to my house to take goods to the value of the amount owed. She told me to take legal advice. I'm scared, what do I do!!! Will people just turn up and come in my house??? Any help will be much appreciated she is ringing back today as 48 hrs is up!!! Gemmings.

Hi, not sure whether to post here or not so apologies if this is in the wrong section. About 3 years ago I used my two Barclaycards' to help finance a business. I know it was silly. but at the time it seemed a good idea! Sadly the business was defrauded leaving me with a Barclaycard debt of circa £30k. After a period of shock and anger (at the fraud) I tried to start again, sadly to no avail. I have since started a new business in an unrelated industry. Money is tight and I have virtually no income (genuinely) to speak of. I live in rented accommodation and have assets of circa £5k I have been passed through the debt corridor of Barclaycard and for the last eighteen (18) months or so my account has been with Link Financial. I have tried to pay £20 per account per month but for the last 12/13 months have struggled with this and have instead paid £10 per account per month. Even this paltry amount has been a struggle. In March I was sent a default notice for both accounts for the shortfall. I reluctantly paid the requested balance. I did tell them at the the time I couldn't afford the higher payment and would continue to pay £10 per account per month. The cycle has begun again I have been sent a default (last month) for one account for which I again, paid the shortfall (by again borrowing from a friend) and am expecting another any day. I spoke to IDR last month and asked realistically what could be done with the debt as it will take over a 100 years at the present rate of repayment to clear the debt. I requested a response in writing as I had written to them and am still awaiting a response. I am seeking a resolution to this issue. I have acknowledged the debt several times in writing. Both Barclaycard and myself are the victims in this though I fully acknowledge, it was my responsibility. However I don't want to be paying this for the rest of my life no matter how much Link Financial/IDR want me to. I don't want to go bankrupt, but will seriously consider it, if this is my only option. In a letter I wrote to Barclaycard back in late 2010 I offered £1 per week, per account. I upped the payments a little later as I could afford a higher payment. Through them cajoling me I kept the higher payment, even when I couldn't really afford it, until as I say above I reduced the payment to £10 per month, per account. I presume I could go down to this lower payment as I haven't had a response, but as I indicated I would rather get this matter resolved one way or another. Any help advice you can give will be greatly appreciated. If you need more info, please ask Kind Regards

Hi again everyone. I'm in a position to make offers on two outstanding debts, one of approximately £10 k to TSB which I've been paying off at £50 a month since the court case (in which I defended myself and lost (quelle surprise)) back in 2009, the other to LINK who shafted me a couple of years back adding 3k onto my debt of approx 5k making it 8k of debt and I foolishly didn't get back to the court in time to object, so I've been paying LINK £10 a month since then. Both TSB and LINK have charges on our property which is why I'm keen to get these debts repaid first in priority to others, as our mortgage is interest only and only has 10 years to run and we need to remortgage and get an endowment and start paying it off, but can't remortgage until these charges are cleared from the property. So...how much should I offer TSB for their debt of 10k? I'm thinking of offering 2k. And how much should I offer LINK for their debt of 8K? I'm thinking of offering 1k. I know that different banks and CCCs have different reputations regarding what proportion of a debt they'll accept in an offer but don't know the details which is why I'm asking for help. Is my CAG buddy andyorch still here by any chance? (waves hello if you are!)

Hi, this is my first post on here. I have 5 student loans taken out 1994-99. I have never earned enough to make repayments and deferred each year (usually with lots of hassle and documents being lost by SLC etc). Then I had to start dealing with Thesis Servicing. In 2010 (I think) I made a decision to voluntarily make repayments on my loan, phoned Thesis and set it up - or so I thought. 9 months or so later, I got a letter followed by a phonecall to say I was in arrears and had to pay. I contacted them and disputed it and was told they had taken down the wrong bank account details but they would only wipe 3 months of arrears. I argued with them as it was a voluntary payment and I still wasn't earning the threshold. I took to ignoring their calls and letters or on the odd occasion when I did speak to them, I reiterated that it was their cock up that had caused the arrears and I would not be held accountable. I have not received a deferment letter from them since I first arranged to make a payment. Last week I received a letter from them stating that I had defaulted on my loan. Today I received a letter from Link Financial demanding full repayment of £7,413.20. Where do I go from here? I'm adamant I should not be liable for this debt until I am financially in a position to repay it. Thanks in advance for any help Jo

Club La Costa is definitely a spoof. In December 2004 I declared Bankruptcy. I was discharged in November 2005. In the August of 2005, I went to Tenerife for a weeks holiday with my ex partner and we were accosted by Club La Costa in the street. Having been abroad many times I told my ex this was a massive con and to ignore them, but guess what... we ended up at one of Club La Costa's presentations where, after several hours of hard sell, my ex was convinced that this was his opportunity to sign up for years of luxurious holidays.... Needless to say I was not happy, but my ex was not someone to be argued with and the rep was clearly on his side... .I figured, no problem, as soon as they run a credit check I'll be off the hook. We even told the rep we did not own our own property and that I had recently been bankrupt and was yet to be discharged, he said this was not a problem and that he would tell us what to write... .which he did... ...He helped us make up a fictitious amount for the value of our 'property' and the outstanding mortgage. ..To be fair, I didn't imagine for one second it would get past the credit check and was so worn down by the combined pressure of the rep and my ex I would have signed anything to get out of there.. ...The problem was, it went straight through the credit check, despite me never having lived at my ex's address.. .. I was gobsmacked, but figured once we got home we would cancel. My ex however had other ideas.... reluctantly I began to pay the monthly fee on our trial membership... ..this would have been O.K except we took our first week in another Tenerife resort and the pressure sell really began in earnest... ..8 hours including a tour of other resorts and a nightmare day of listening to the rep tell us all about the benefits of a 'silver membership' If we redeeemed our trial membership it would 'only' cost another £10,000. ....As you can all probably guess, once again the documents were signed. ...once again I was hoping that a proper credit check would reveal my ,now discharged, bankruptcy ....No such luck..... Subsequently me and the ex went our separate ways.. ..I stopped the d/d to GE money.. ..Presumably the letters were going to my ex partner's address.. ..By chance, when checking into my own credit report, I discovered he had conveniently gone bankrupt a couple of years later.. ...Leaving me solely responsible for the GE money debt.... The letters started to arrive, then the phonecalls and 6 monthly statements.. ..I ignored them completely... .Then in November 2009 Link Financial became involved.. ..I was borwsing this site and decided to ask them for a copy of my original agreement. It cam within the prescribed time and suddenly this debt appeared on my credit report, which it hadn't until this point... ..Now the debt has been sold to Mackenzie Hall who bombard me with phonecall and text messages on a daily basis. I have not responded and have blocked them whenever they try with a new number.. ..They even have the ability to make a call using a local area code in a bid to get you to respond to them, I've become very wise and just block each new number.... I am really hoping the statute of limitations has passed, but I'm guessing because I sent Link financial a request for a copy of my original agreement (wth the covering letter from here) The clock was rest in 2009 and I will have to wait until November 2013 before the 6 years has passed and it will drop off my credit file. In tottal the debt is now around £26,000 with interest being added every month.. ...Any advice on what will happen if I continue to ignore it? I figure if Mac Hall have got it, its pretty much unrecoverable but would appreciate some feedback on this as they are known to be complete sharks and only buy unrecoverable debts. I am of the mind that, if this debt was enforceable then surely someone would have taken me to court by now???? AND, WOULDN'T AT LEAST HALF OF IT BE INCLUDED IN MY EX PARTNERS BANKRUPTCY????? Wish I had stuck to my guns at the outset and stood up to my violent and abusive ex. ...this has been a millstone around my neck for years and really would like to see an end to it.......