I got into quite a bit of financial trouble some years back and, through hard work and kindness from my family, managed to climb out of most of it. Unfortunately, MBNA were one of my creditors and they weren't at all helpful in resolving my problems. To cut a long story short, I paid off pretty much all of my debts apart from MBNA who were receiving a minimum payment each month (and I was watching the debt reduce by maybe 5% of the minimum payment). I had a 20% pay cut and something had to give - MBNA were it. I rang them and explained what had happened and asked for help; they refused to give me any. Eventually, I didn't have any choice but to stop paying them. I'm now back on full pay, but before that happened, I received a letter from Link Financial Outsourcing telling me the debt had been passed to them for collection - all £8,000 of it. Fair enough, my own fault. I rang them and asked the guy I spoke to if I could set up a repayment plan. I racked up the debt, I expect to have to pay it back. Somewhat unbelievably to me, he refused. When I asked why, he said they like to give people time to try and arrange a full and final payment. I told him that wasn't going to be possible and that I'd like to set up a repayment plan. He refused again, again citing that I should be able to raise the funds. In three weeks. I asked how he expected me to do that and he said I could probably get it from family and friends. I told him I wasn't going to do that, couldn't do that. He said I'd have to try. I accused him of being less than helpful and he said he'd been very helpful and very reasonable - after all, he'd offered to reduce the final payment amount to £6000 and given me a month to raise it. Then he terminated the call. They called me a few more times to see if I'd raised anything. Each time I spoke to them, I asked them if I could set up a repayment plan as it wasn't going to be possible for me to raise such an amount in such a short time. They refused each time. At one point, I asked why I couldn't pay them back over time.. . I was told that because I was a home-owner, they wouldn't accept a repayment plan, they'd just take me to court. I asked what they hoped to achieve from that, and they said it was their company policy. This morning, I've received a Letter Before Action stating that court proceedings will now be issued against me by IDR Finance UK Limited (who?) without further notice. I'm pretty stressed about this and I really have no idea what to do. Please, please, help! I am not trying to weasel out of the debt - as I said, I made mistakes and I admit I owe money and I want to pay it off; but there's just no way I can pay £8000 (or even £6000) in one go. I'm terrified that they'll take me to court and somehow find a way to take my house. I don't know if that's possible, but it keeps me awake at night. I have a wife and three young children and times are tight. All I want to do is to come to some agreement with them and start paying them off! If anyone has any advice on what I should do, I'd be very grateful. Thanks for reading.

Many years ago (about 2004) me and my now ex-husband got a loan for £7k to buy a new bathroom and kitchen for the house we then owned. The loan was through Welcome Finance. After a few payments we got in to difficulty, Link Financial took over and very, very quickly got a charging order on the house. I would, at a best estimate, say this was about April 2006. In 2009 I left my (ex) husband and the house was sold in 2010. The house didn't sell for enough so Link never received a penny. Just yesterday they called me and asked me for my address. They only told me they were called Link and that was about it. Of course, I refused on the basis that I haven't a clue who they are and I wasn't giving my address to a stranger on the phone. I don't understand charging orders that are no longer charging orders so I'm not sure of the statute barred rules on this. They last received a payment 2005 or early 2006 and nothing since. I have never spoken to Link and I can guarantee my ex hasn't either. he declared himself bankrupt about 2 1/2 years ago so they won't be bugging him (well, they may be....Link don't seem to mind, do they?) Does the fact they had an order sat on the house for 4 years mean the SB clock began after the house was sold or does it still start from the time of the last payment. This was originally an unsecured loan. Link cleverly turned in to a secured loan via a charging order. However now I have no property what exactly is this loan now? Confused. Any help would be appreciated.

Hi Guys. I've been fending off Link for quite some time. I did manage to get one CCJ attempt struck out but they still hold 2 more accounts and they are not giving up without a fight. I had been paying to all 3 accounts until I found this site. They have sent me reconstituted credit agreements for both these accounts & pre contract application forms. Both accounts were from MBNA credit cards. I replied to these efforts by saying that while the reconstituted agreements may have satisfied the CCA request, they were still not enforceable in court. This is their response : We note from our system records that you previously disputed the exact same issue regarding the credit agreements. We had made our position clear in our letter dated xx/xx/xx. We confirmed that the documentation sent was regulated by the Consumer Credit Act 1974. We will not enter further dialogue with you regarding the agreements as we had already issued our final response on the matter. It is nonsensical that you would make payments on an account which is now disputed. Please contact our office with your payment proposals to settle the outstanding balances to avoid any recovery action. Interesting that they are saying that I have more or less accepted they have a valid claim as I have already made payments to them. Do they have a point? Could they use that in any court action? Any thoughts on this matter & a possible course of action would be gratefully appreciated.

Hello Not sure how to start really. I have a read and there is an awful to digest but I was wondering if anyone could help with our problem. Link Financial put both my husband an me in court in April this year, thing is they sent my court papers to my old address so I couldn't respond. My husband did put in a written defence for what it was worth and they still obtained judgement on him and on me by default. I have completed the N form and paid £80 to have stay of judgement or whatever it was and its being transferred to the local county court to be heard in two weeks time. In the meantime Link sent my husband whats called a tomlin agreement for the whole amount and he signed and agreed to the terms etc, however, Link are still intent on suing me for the full amount as well by saying I am still liable for the debt. I thought that if someone admitted liability and agreed terms etc then the other person could not be pursued for the same debt? What help I would like is on how to defend this cos Link have said to me on the phone they will go for a charging order even tho there is an agreement in place? Blimey this sounds complicated but I really hope someone can help. Thanks

This relates to an old MBNA card debt (opened in 1995) which was sold to Link. Every so when they have been in touch with me seeking payment and I tell them the debt isnt enforceable and they disappear for a bit before reappearing. Now my case with them seems to have gone off to their Welsh office and I seem to have a bit of a rottweiller on my case. Typically I have told them that the agreement is an application form and so not enforceable - I know HSBC v Brophy. But the main head of complaint that i have raised is the separation of the sig document from the T&Cs - these have always been sent to me as two separate sheets of paper. I have quoted Tuckey in Wilson and Hurstanger at them, to the effect that the prescribed terms should all be within the four corners of a single document. Also Langan in BoS v Mitchell in which he says "The key words in Section 61(1)(a) are the reference to a document itself containing all the prescribed terms, and conforming to the regulations under Section 61. This language is clear and specific, and ensures that mere reference to terms contained in another document will not suffice. The document must contain the prescribed terms, just as the signed document referred to in Section 127(3), which might save the day, must however contain the prescribed terms. " In short I have argued that they have sent an application form which has my sig but no t&cs on it, and a set of t&cs - show they are connected They spend most of their letter rebutting the application form argument and taking me through the 83 regs to show the T&Cs they have sent comply. But when they address my points re Tuckey and Langan, and the connection between the application form and the T&cs , they say something quite interesting "As to the cases you refer to we are fully aware of the judgements therein, however your position remains utterly misguideed and for the avoidance of doubt the terms and conditions are part of the Credit Agreement Document, that there is two pages of that document is not relevant. You may consider from reading the front page with your signature thereon, namely your own declaration that there is no requirement that the terms and conditions be signed and it is entirely sufficient that you declare your agreement to them when penning your signature". What follows is the ususal litany of threats - we would not wish to enter into futher correspondence - doesnt say they wont - and will now consider referring the matter to our solicitors with a view to .... - doesnt say they will. What I really dont understand though is the bit I have highlighted in bold since the sig box declaration says "This is a credit agreement regulated by the Consumer Credit Act 1974. Sign only if you want to be legally bound by its terms" Interestingly it also says "Once you have signed this agreement you will have for a short time a right to cancel it. Exact details of how and when you can do this will be sent to you by the Bank" which kind of suggests to me it wasnt part of what I signed, suggesting the T&Cs werent part of what I signed. Concerning the section before the part I highlighted, Waksman states in Carey (s173) Agreed Principles The parties in Carey have helpfully agreed the following principles. The fourth one was added by Mr Uff, with their agreement. No other party takes issue with them. The OFT has formulated the matter in a slightly different way but accepts these principles are close to its position. (1) It is not sufficient for the piece of paper signed by the debtor merely to cross-refer to the Prescribed Terms without a copy of those terms being supplied to the debtor at the point of signature; (2) A document need not be a single piece of paper; (3) Whether several pieces of paper constitute one document is a question of substance not form. In particular a physical connection between several pieces of paper is not necessary in order for them to constitute one document; (4) Additionally, a physical connection (or one or more physical connections) between several pieces of paper does not necessarily constitute them as one document; (5) Accordingly, where the debtor's signature and the Prescribed Terms appear on separate pieces of paper, the questions of whether those pieces of paper together constitute one document is a question of substance and not form. So following (2) of these agreed principles they are right, but considering (1) there is no reference to T&Cs on the application form. I am therefore inclined to write back to them (notwithstanding they say they dont want any further correspondence) pointing to the above in Carey and that they have presented no evidence to the effect that there is a connection between the form and the T&cs sent when I signed I agreed to be boudn by the CCA 1974 and that was all it says I would though be grateful if some critical friend could offer an opinion first. Thanks SFU:???:

Hi All, I've had a read of some threads which have given me some really helpful advice, but I was hoping someone could offer something more specific to my husband's situation. My husband recieved a letter from Link a couple of months ago regarding an old (pre 1998) student loan. We sent off a statute barred letter only for them to reply saying the account was subject to a ccj and so cannot be sb'ed. I do not think they knew about the ccj to start with as the original sum they were asking was about £3300, and this dropped to £2400 in the ccj letter. My oh has no knowledge of the ccj (Link claim he has paid £104 towards it but as he didn't know about it this is unlikely!), but rang the county court who confirmed a ccj was given to the slc in 2000 (Link had ref no of the ccj). The lady dh spoke to at the court was quite helpful and told dh it would no longer be enforceable but would speak to the Judge. I assume she got 'told off' for discussing it with dh as he recieved a strangely short email from her saying Judge said they would need to seek permission to enforce but this is likely to be given! We were planning on replying to Link just asking them to prove the ccj, that they are the claimant etc - not telling them we had spoken to the court and see what they come up with. The debt helpline suggested we could offer 30-40% of debt as settlement - is this a good idea? Reading on here we assumed it would be unlikely to be re-enforced, but the reply from court suggests it could be likely. Can anyone suggest what would be the sensible way forward here? Thanks

I had a Debenhams store card that was opened in a rush, the PPI was added, she thrust the application form at me and put crosses where I sign, I cancelled when I realized but was diagnosed with cancer shortly after so it was 3 years before I cancelled. Debt was sold to Link and I am paying back monthly but having done my rolling credit, once the PPI is off the card went into credit and would have stayed in credit if it were not for interest and over limit fees etc. So do I draw attention to this or just claim PPI for now? And once again do I go to Santander who sold the debt or Link who will probably equally ignore this one.

Please help!! I've just received a letter from the above saying that I owe them £ from a student loan I took out in 1994 - 97. I have had zero contact with anyone about this since at least 1999, and they say they will not accept monthly payments but want the money within 21 days or they will come round and recover goods! I am in a state. I'm afraid i did foolishly call them as wanted to sort this out, but have been reading that I shouldn't have phoned. Can they do this??

Hi Hope someone can help, am separated from my husband ( not legally yet) I live at my parents with my two children ( the second of which was born whilst we were trying a reconciliation that didn't work). I'm self employed and claim as a single person, I'm at my mums whilst trying to grow the business and save to buy a house. Have been discussing the situation with my ex , I 'm ready to move on from my mums. He has agreed to help me buy a house for myself and the kids to live, if i sell my flat to help with the deposit my parents will also help. The advantage for him is that his children have a family home and its an investment for him as he'll own 50% and the advantage for me is that we get to live in a home i would not be able to afford to buy on my own My question how will a joint application for a mortgage look to HMRC. We are not an in a relationship and don't plan to be. Can prove he lives elsewhere. I guess having the house is more important than the tax credits but I'll struggle without them for a good while whilst paying the mortgage. Just checking before we go ahead.

Hi, I hope you can all help My friend was sent a letter today in her maiden name to her home address (not her current but her home address when she was younger) saying that I (maiden name) had given them permission to contact them to give my details to them. It was from link financial outsourcing and the only thing I can think of is it is about a student loan? I am very confused though as I have had statements from the student loan company about how much I owe? Also I never gave my friends address to anyone regarding loans or anything? Is this letter genuine or should we/she ignore it? Thanks F

I am getting concerned about what data a CRA holds against addresses. I have received two letters one from BUCHANAN CLARK & WELLS and another from DEBT MANAGERS LTD, They both start identical; “We are attempting to contact the above named person and our client’s recent investigations have resulted in your details being obtained from a credit reference agency. Your address has been provided by them due to a link with the data our client holds, as a possible new address for the person we are wishing to contact.” I have contacted my landlord who says the person they want lived here some 8 years ago and was evicted for non-payment of rent and destruction of property, after only 6 months. I am getting concerned about what the CRA holds on addresses, I thought they only held data on people’s credit and why are they linking to an address that is over 8 years old. Surely any DCA that is wanting this person must be aware any debt is statute barred or is there any way of finding out if she is still using my address?

Hello everyone, After a phone call from an "Investigator" to my wife, my address was confirmed. Im now receiving letters from Link who have been appointed by Thesis demanding payment in full for an outstanding SLC loan. The loan was taken out 97/98, and should be the old type, however sometime around 1999/2000 i received a CCJ (despite pleading that i had notified them of a change of address, therefore not received the deferment ) being young and broke I panicked and had been paying a monthly figure up until 2009 (I had to close my bank account from where I was sending the standing order). I very nearly called them to negotiate a settlement but after discovering this most fantastic forum, decided to ignored the 1st letter and see what happens next. I have stored the number they used to contact my wife with in my phone as DO NOT ANSWER and get the odd voicemail asking me to call urgently. I don't intend to speak with them. Is there anyway to find out what other numbers they use? so we are not caught off guard. Im expecting it to get worse. The next letter I received seems somehow less threatening, however states their intentions to not allow me to leave the account unpaid. They also note that they are aware that i maybe avoiding contact with them but they are sure that when I borrowed the money I had every intention to pay it back!? The next paragraph says something along the lines of-- If this dept has been registered with a Credit Reference Agency it will be held against my name.. I thought it had already been held against me after the 1st CCJ? The Last Paragraph says that they may place my details with the Asset Investigation Department to validate my personal data and pursue any action that may prove necessary to recover the balance. Am I in a position to continue ignoring them? Or should I start down the road of fighting back? after the way the SLC/Thesis and now Link have dealt with this matter, I have no intention whatsoever of parting with any more money for them! Hopefully, I've tried to be as concise as possible Yours Thankfully Soundman

Hi After reading various articles on this site (thanks everybody), i sent a cca request to debt recovery company they didn't send a cca agreement and after a couple of phone calls of them i explained i very politely i wouldn't talk to them via the phone until they provided it. This was approx 3 months ago and up until the last week i didn't hear anything off them. This last week ive had 2 letters the latest threatening me with Data being passed to our internal investigation department Your account will be approved by way of judgement/decree securred in a local court The debt will be transferred to a Debt Collection Agent who may call at your home Then inviting me to contact them. Few questions really, is this just a scare tactic? What do i do next? It was my understanding (limited) after reading various posts that without the cca theres not a lot this company can do Thanks for any help

Can someone give me some direction on Barclaycard debt, cant keep up with minimum payments. How is this going to pan out. How shall approach this, shall i negotiate with them and offer to pay by instalments. Thanking you in advance.

Hi, I am hoping someone can help me out here. I bought a Ford Focus in December 2008 on a Hire purchase agreement. Unfortunately due to some personal circumstances and a bad time in business, I fell behind on my repayments and my debt was sold to Link Financial Outsourcing (LFO) in January 2012. This means I had repaid more than two thirds of the debt and so LFO would need a court order to repossess my car. I rely heavily on my car for work (I run a software consulting firm) and so rang LFO to see if they would accept a repayment plan on a monthly basis but I was informed this was not possible and I had 6 weeks to repay all the money. Rather stupidly I said, this was something I could do but the payment date has been and gone and I have not paid. Today I received a letter (Dated May10th) explaining they were now issuing court proceedings against me and I had to contact them within 48hrs to prevent it happening. I've tried calling but to no avail. As today is the 15th, I presume they have already set the wheels in motion. My question is; what is the process here? Am I right in thinking that they will try to take out a CCJ against me and that I will then have 28 days to pay this, before the baliffs come calling? Or have I got that completely wrong. I can lay my hands on this money by the end of June (I owe £2,531.86) and would be able to clear the debt in full, but somehow I don't think LFO would accept this at this stage. My Credit Report is completely shot anyway so at this point I am not too bothered about getting a CCJ (I already have one from a failed business deal) which was filed recently so either way it's going to be 6 years before it starts to repair. I would be really grateful if someone could please explain the process that LFO are now going to go through and how much time I have realistically to pay the outstanding debt off. I'd be thankful for any information you can give me. Please ask for any more information you need. Many Thanks, Matt

Hello everyone, been reading all this and glad I did so signed up to get your thoughts. I have had my CC balance handed over to Link in the last few weeks, I called Link yesterday as they had left several messages on my mobile/house. Also a number of text messages. I have'nt yet received any letter from them though. When I spoke to the adviser, usual thing, very pushy and asking if I could clear the balance. I told him that I hadn't received a letter from them and that one should be sent out in the first instance. He replied. we sent you one on the 12th of this month, I asked for them to resend it again please and all he did was divert to try and talk about the balance. At this point, I said until you send me a letter I do not acknowledge this bill, send me a letter then I will take it from there via letter only. He said "We prefer to deal over the phone here" lol... I replied, "I like to have paper trials" he replied "sure, we'll play along" Joker.... after reading many comments the way forward is to first send a CCA request and give them the 12 days?? One thing I dont understand after seeing all the replies people are having back from Link is the letter from mbna 3 weeks ago said... "Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay...." This is what, according to many people Link are saying, that the agreement has been terminated therefore no CCA can be provided. This is a new debt where I only defaulted in the last 6 months. I have other DCA agreements that are fine and they have ALWAYS sent me a letter first Whats the best way forward people?

Hi all im new to caggers & this is my first post ,link claim they have bought a debt from GE custom finance which was taken over by Santander, they have sent me a default notice & termination notice which is supposed to be from GE that is clearly not the original notice a statement of account from santander that shows a right of balance a DEED of ASSINGMENT that to me dosent look proper, I've checked my credit file & there is no GE or Santander accounts - but there is a link account the default sum is different than the figures on the statment of accounts and the DEED of ASSIGNMENT can any one tell me or help if link are trying it on as i have a date in court with them in JANUARY.

Claiment is LINK finacial amount is correct but particulars state that we entered into an agreement with GE Money in 2000, The actual Loan was taken out with First National in 2000. Until 2003 First National had no conection with GE money. The loan also included a ppi payment added to the initial balance. I will have the means to settle this debt in September and had already written to LINK to tell them this. My letter and the claim crossed in the post. Do I admit the claim and ask for time to pay or do I fight the claim on the grounds that it does not identify the debt to be claimed upon and then pay as planned. Because of my job I would rather avoid a ccj but will not have the means to settle until after the claim is heard. Advice please, I have 10 days left to acknowlege the claim.

Hello, New here so appreciate any help / advice on this. I have received a court pack from the northampton bulk centre from Link Financial for an MBNA CC debt from just under 6 years so unfortunately not Stat. Bar'd. I submitted a defence stating that I had no record of this debt and they needed to supply details. (I can post exact defence later if neccessary) I received a letter from the court stating the defence had been passed on and the claimant would contact me to attempt a resolution. Link have contacting me sending a copy of the original CC agreement (stating they obtained it from MBNA) along with a NOA and a Default Notice from them & also a letter asking me to acknowledge the debt and allow them to ask the court for a judgement for me to sign (addressed to the court) I am thinking that this is a last desperate act on behalf of Link. My questions are: Where do I stand on this? As they are only assignee's sureley they can't bring legal action without MBNA or is this not the case anymore? Can I ask the court to throw this out on the grounds of not the owners of the debt or do I need to rethink my defence? Should I respond to their letter? If so how and what to say? Regards JL.

Hi I too have just very recently had the notorious Letter from Link saying that they have been assigned the debt we previously had with Volvo (previously Mazda) finance. And by some uncanny coincidence, had the exact same letter you recd from Landrover (we recd from Volvo) stating they had assigned our account to FCE who had reassigned to Link. I too had a man on the phone from link who blatantly refused an offer of instalments and asked me to go an apply for some finance to pay them off. SHOCKING!!!!! This lovely man has stated he will give me until the end of next week to prove that I have tried everything to raise the money before they proceed with action against me - so kind. today I have 7 missed calls on my phone that I know are from them (unknown number). I have decided that next time I speak to him, I will ask for his instruction in writing i.e to go and try and get the money via loans etc and his refusal of installments. Sorry for the long post, I just wanted to let you know I am proceeding down the same path as you have been (and still are travelling) and like you, am daunted by the whole thing although with every ounce of my body will fight this pond life. I may need to start my own thread and Im sure the moderators will advise me on this. Initially though I thought I would post on here due to the similarity in our plights. Just want to say, what a wonderful site and some brilliant advice and support from what i have seen so far.

Regardsxxxxxxxxxx- Site Document Management Groupxxxxxxxxxxxxxxxxxxxxxxxxxxx--------------------------------------------------------------------------------From: xxxxxxxxxxxxxx Sent: Tuesday, April 05, 2011 1:28

Just received my Barclaycard statement which I was 2 days late paying so consequently they have charged me £12 plus £12 over limit fee, I've decided to reclaim the fees sending a copy of the template letter on this site (thank you) problem is I'm not sure how much they actually owe me, I've had the card for about 7 years and have been charged fees quite a few times. Any suggestions as to what I should do, can I send the letter without stating an amount and rely on their 'honesty' (Barclaycard & honesty, doesn't really work does it) I'd be really grateful for any suggestions from the experts , I'm so sick of letting them take my hard earned cash simply because I've been a day or 2 late in paying, have never actually missed a payment, thanks in advance.

Hi guys, I need some urgent guidance if poss please. My OH received a Claim Form from LINK Financial 2nd week of Feb (Issued on the 9th) for a £12k MBNA Card debt. I have Acknowledged online as Defending but I'm coming up to the 28 days in just over a week and am not sure what defence to put in or if I should hit them with any requests/letters etc. Having read up on the site I'm still unsure what may be relevant, every thread I have read is always subtly different, so apologies for asking the same questions everyone else is - I just want to be sure. Is the agreement unenforceable? - Before the debt was assigned to Link I CCA'd MBNA (2yrs ago) and they sent us a barely legible photocopy copy of a signed application form from 1999. Link printed the two sides of a min application form on both sides of an A4 sheet in an attempt to imitate a real application form and 'connect' the two parts. However the terms are still a separate photocopy image with much of the fine text faint/illegible and no guarantee any physical original remains. - (btw the PPI box is ticked NO but was charged anyway for a few months in 99 - worth mentioning?) CPR/extension? If the best option is to issue a CPR 31.14 data request Link would get 7 days + 2 days to be answer so I need to send the letter tomorrow/Saturday latest or the 28 days will be up before the CPR deadline. Should I send CPR 31.14 (?) or request an extension?? have I run out of time? Can anyone help please?? I can scan docs tonight or type in more info. Thanks. GF2k

I took out two student loans in 1992 & 1993. I deferred them for a number of years and in 2000 I moved house and forgot all about it. They eventually caught up with me by letter in about 2004ish and I called them and negotiated a repayment of £70/month. When the debt got sold to Thesis there was a period where I didn't pay them anything due to a lack of provision of details of how to pay on their part, but I did resume payments eventually. Last year the debt got passed on again, this time to FFHE, and once again I was told to change my standing order details. The details are hazy but I recall speaking to someone from FFHE last year, the standing order form they were going to send me never arrived and there was a brief delay where no payments were made. I started paying FFHE £70/month in July this year. There was only around £500 left so I was due to make a final payment in February 2011. I’ve been happily repaying this for several years albeit with a couple of brief interludes when they passed on the debt and changed their payment details. So I was naturally astonished and furious to receive a phone call two weeks ago from LINK, saying I was in breach of the agreement (because I spoke to someone in May but they didn’t receive a payment till July) and demanding immediate payment of the outstanding balance of around £260. They have contacted me several times since, threatening me with bailiffs and/or court action to recover the debt if I refuse to pay it now, in full. Continuing with my £70/month for the next 4 months is not an option. The woman from LINK suggested I seek advice from a solicitor. I haven’t received any correspondence whatsoever from them since May when I spoke to them to sort out the remaining payments and change the standing order details. Yet they say they’ve been trying to contact me. Well they can’t have been trying very hard – no letters, no phone calls, nothing. I would like to know: How can a debt I have been willingly repaying regularly have been passed to a DCA? Is it binding if I haven’t signed anything? How can I be in breach of an agreement I wasn’t aware of making? Are they not in breach of the Data Protection Act, since I never authorised my details to be sold/passed on? Can they issue a CCJ? How long would it take for them to get bailiffs or take me to court? Would it be before February? How can they suddenly demand this out of the blue with absolutely no prior correspondence when I’ve been paying? Will this affect my credit rating? My intention is to ignore them and just carry on paying the £70 until it’s paid off in February. Surely any court would throw it out as a complete waste of time to pursue a debt that’s almost honoured and where there is hard evidence that it’s regularly being repaid in substantial amounts? I’d just like to know where I stand legally and what I should do next time she calls, which I know won’t be long. She’s calling my mobile and home number. I could understand (a bit) if I wasn’t paying them anything but I am. Is this not harassment?

Hi all long time since I last came here and glad to see everything is still as it was I have today received a letter from Link Financial, see below for text as i dont have a scanner Dear Mr XXXXXXXX An application for credit (bank loan, credit card etc) occured in the name of : APPLICANTS NAME : MR XXXXXX This application was at an address different from your own however that address is currently linked to your own home address We ask that you contact our offies to discuss this on 02920 808610 Yours Sincerely Robert Barker Stupidly I contacted them to find out what this was about as unfortunately I have recently been victim to bank card fraud, where my account was emptied (£200+) They then passed me through to a gentlman called Emmanuel Oliver who started saying I had a debt through GE money and they wanted an immediate settlement. I am now a little worried as I had not known this debt had been passed over to these people and find it strange that just after the bank card issues this letter arrives. As you can imagine I am now a little worried and would appreciate any advice Thanks in advance