Link Financial - Restricton on property

[Edz11]

Well, the OFT have said that is their view and I don't think it's worth a Creditor arguing with them over it.

[michellefromessex]

Cheers guys, will get my letter typed and posted tomorrow.

[michellefromessex]

Sent my letter today, I am scared still if I am completely honest with you all.

[Edz11]

First day at school

First job

First date

First....

First CCA

etc

[michellefromessex]

lol wonder what the first .... means!?!

[Edz11]

driving lesson, (obviously)

[Dav3yBoy]

Hello Michelle,

Here is the link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Don't listen to them, they have no authority in securing anything against your property. The only people in the country with that power is a judge.

 

Link Finance will do ANYTHING to try and secure payment from you, and i mean anything. They will tell you anything that gets money from you.

 

Like previous posters have said, CCA them and they will back down. I had a problem with LINK and i CCA them in november and have heard nothing. They havbe breached the time allowed by law and still i have heard nothing.

 

dave

[michellefromessex]

CCA them? isnt that what I have already done? (confused again).

 

Ed - Of course,

[Dav3yBoy]

Sorry michelle,

 

I am impatient and i skipped right to the end so i missed it.

 

My bad.

 

dave

[michellefromessex]

ha ha sorry but I am gonna have to slap your wrists for stressing me even more.

[Edz11]

Think tranquil thoughts. You have done everything proper like. innit.

[michellefromessex]

Me again, well they have replied, got this letter back yesterday:

 

I refer to your notice under the Data Protection Act 1998.

 

Your MBNA Europe Bank Ltd account was assigned to Link Financial in January 2001. The responsibility to manage the information placed with the Credit Reference Agencies by MBNA was also passed at the time of purchase and the decision to process your information to the credit reference agencies is not based on automatic means. Therefore we no not believe we are in breach of our responsibilities under the Act with regards to your details.

 

Yours sincerely

 

Can you make head nor tail of what they are trying to say here? because I cant.

 

oh and the typing error "we NO not believe" is theirs not mine lol

[Edz11]

Proof positive that anyone writing a letter should not partake of a spliff prior to composing one.

 

I think what they are trying to say is "MBNA started the Sh!t on your credit record and we are just doing what they did". Do you know what's on your record exactly?

[michellefromessex]

Do you mean my credit record as in Experien equifax etc? if so last time I looked there was nothing showing regarding this debt.

[robcag]

Hi Michelle

 

The contents of that letter are strikingly similar to another which someone reported on here in the last week or so, right down to the typing error!

 

If I can remember where I saw it I'll post back here with a link (no pun intended!).

 

Rob

[michellefromessex]

haha, ok mate thanks

[robcag]

Here you go: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/111935-scare-tactics-link-financial-5.html#post1377518

 

Rob

[Edz11]

If there's nothing on your credit record about this then you don't need to bother about the credit reference aspect. They've sent you an unenforeceable agreement so wait until they take the next step if they do anyhthing at all.

 

You could take them to court and ask that the agreement be declared unenforceable under S142 of the CCA or you can wait until they start action against you and they will get it to court where you effectively make the same case.

[michellefromessex]

Thanks Rob, that so funny, exactly the same letter even with the typo lol

 

Ed, will sit and wait now for their next move - cheers x

[mrmarmite]

Me again, well they have replied, got this letter back yesterday:

 

I refer to your notice under the Data Protection Act 1998.

 

Your MBNA Europe Bank Ltd account was assigned to Link Financial in January 2001. The responsibility to manage the information placed with the Credit Reference Agencies by MBNA was also passed at the time of purchase and the decision to process your information to the credit reference agencies is not based on automatic means. Therefore we no not believe we are in breach of our responsibilities under the Act with regards to your details.

 

Yours sincerely

 

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/111935-scare-tactics-link-financial-new-post.html

 

check this post out. there letter in there just like your one

 

they like using template letters don't they

Can you make head nor tail of what they are trying to say here? because I cant.

[mrmarmite]

soz robcag u beat me to it

[Goldlady]

Have to say that their 'no not etc' response reminds me of a reply I got from someone who had not complied with one of my many CCA requests - can't remember who it was now - but I had sent them a similar letter to the one Rob posted above. They sent me a two page letter with about 15 paragraphs and only the first paragraph referred to the CCA - the remainder of the entire letter waffled on about how they were justified in processing my data. My thought at the time was that they were more concerned with not being hauled up under data protection rather than trying to enforce the agreement.