Link trying nasty ways to get you to phone back

[The GodMother]

thats deffo a good one.

[nickyhutch]

Reviving an old thread.....

 

I had a debt with Link in 2007, and paid it off (or so I thought). I had a letter this week saying:

 

Reference XXXXXXXXXXXX

Credit Subject Investiagtion: Mrs XXXXXX XXXXXXXXXXX

 

A recent search of a UK Credit Reference Agency database has verified that you are currently using this address for financial transactions, which are reported to the Agency.

 

We are now making you aware that we are currently considering formal recovery action against you, which could increase the current outstanding balanfe, owed to us by you.

 

This action could also:-

 

- affect your ability to obtain further credit oar a mobile phone contract, and

 

- hinder your career at either your current or prospective employers

 

We urge you to contact our office on 020920808685 today quoting the reference number at the top of this letter.

 

Yours etc.......

 

Firstly, I check my old records and it seemed I didn't make the last and a bit extra payment - fair play, I'm happy to pay up. However, the amount listed on the letter is the original debt! I made payments by cheque so it is going to be a pain in the butt to get full details and proof

 

Secondly - can they just do a search without me knowing?

 

Thirdly - what the heck are they on about "hinder your career"?

 

I HATE these people! They originally mithered my neighbours for my details when all this kicked off - really embarrassing, and intrusive.

 

I'm writing saying my records show etc etc and I'll happily pay up the £86 I owe - is htat fair enough?

 

Many thanks for reading.

Edited October 26, 2009 by nickyhutch

[angry cat]

Reviving an old thread.....

 

I had a debt with Link in 2007, and paid it off (or so I thought). I had a letter this week saying:

 

Reference XXXXXXXXXXXX

Credit Subject Investiagtion: Mrs XXXXXX XXXXXXXXXXX

 

A recent search of a UK Credit Reference Agency database has verified that you are currently using this address for financial transactions, which are reported to the Agency.

 

We are now making you aware that we are currently considering formal recovery action against you, which could increase the current outstanding balanfe, owed to us by you.

 

This action could also:-

 

- affect your ability to obtain further credit oar a mobile phone contract, and

 

- hinder your career at either your current or prospective employers

 

We urge you to contact our office on 020920808685 today quoting the reference number at the top of this letter.

 

Yours etc.......

 

Firstly, I check my old records and it seemed I didn't make the last and a bit extra payment - fair play, I'm happy to pay up. However, the amount listed on the letter is the original debt! I made payments by cheque so it is going to be a pain in the butt to get full details and proof

 

Secondly - can they just do a search without me knowing?

 

Thirdly - what the heck are they on about "hinder your career"?

 

I HATE these people! They originally mithered my neighbours for my details when all this kicked off - really embarrassing, and intrusive.

 

I'm writing saying my records show etc etc and I'll happily pay up the £86 I owe - is htat fair enough?

 

Many thanks for reading.

 

You will be able to obtain copy cheques from your bank/building society, there will be a small charge but well worth paying, as you need the evidence.

 

Yes, they search your CRA files.

 

"Hinder your Career", threat absolutely outrageous!

 

:

I HATE these people! They originally mithered my neighbours for my details when all this kicked off - really embarrassing, and intrusive."

 

Understatement!!!

 

I would say that your best course of action would be to make a FULL SAR, in order to ascertain what has occured in relation to this account.

 

You claim to have paid it off, with exception to £86 approx but they are claiming the full balance originally owed.

 

Out of interest have you received a statement of account from them since 1 October 2008?

 

AC

[nickyhutch]

You will be able to obtain copy cheques from your bank/building society, there will be a small charge but well worth paying, as you need the evidence.

 

Yes, they search your CRA files.

 

"Hinder your Career", threat absolutely outrageous!

 

:

I HATE these people! They originally mithered my neighbours for my details when all this kicked off - really embarrassing, and intrusive."

 

Understatement!!!

 

I would say that your best course of action would be to make a FULL SAR, in order to ascertain what has occured in relation to this account.

 

You claim to have paid it off, with exception to £86 approx but they are claiming the full balance originally owed.

 

Out of interest have you received a statement of account from them since 1 October 2008?

 

AC

 

Hello Angrycat, and thanks for replying. Yes, I know I'll have to do some trawling through statments to find my cheques and get that sorted will teach me to keep clearer, fuller records.

 

What will the SAR show me? Will it show payments I've made?

 

And no, I've not received a thing from them statement-wise. I do think they're trying it on a bit, to be honest.

[angry cat]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

If Link have not sent you a statement of account as is required under the CCA 2006 (fully implemented 1 October 2008 ) they have dug themselves a nice big hole!

[angry cat]

Re: post contractual information:

 

Financial services - Consumer Credit Act 2006 - Post-contract information - Wragge & Co - UK Law Firm

[nickyhutch]

Thankyou Angrycat

 

That's all very interesting reading, and I'll make sure to mention it in my letter. Cheeky monkeys!

[angry cat]

"If they comply and get it wrong in a material respect or if they fail to comply at all, the penalties are severe. Not only will they not be able to enforce your agreements until the error is corrected, they will also be prohibited from charging interest or default sums for the period of non-compliance" !!!

[mfpa]

- what the heck are they on about "hinder your career"?

 

For certain jobs you have to pass a credit check to get the job, so a poor credit history could be a hinderance.

[angry cat]

For certain jobs you have to pass a credit check to get the job, so a poor credit history could be a hinderance.

 

Absolutely.

 

Nasty little threat by Link Financial!

 

Heads Up; if you do not pay up, we will wreck your career...

[batman1956]

You may also like to add to this thread

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/222298-complaints-link-financial.html?highlight=link+financial

[nickyhutch]

Thankyou for that, too. They are really nasty - all over £80 I didn't even know I still owed!

[Sara_B]

It seems they are still up to their nasty ways 3 years later... They sent me a letter claiming that somebody was applying for credit in my name and using my address and asking me to call them urgently on this number.

 

Then my parents called me and said that an 'old friend called Ricky' was trying to get in touch with me and wanted my information to get back in tourch with me.

 

My dad refused and took his number instead. It was the same number as the letter, 0292 0909 696. This 'Ricky' specifically said he was an 'old friend' and we had lost touch some years ago and he really wanted to get back in contact with me. He got quite upset when my dad would not give him any information about me! How are they getting away with this behaviour still? It can't be legal?