Link Financial have done a mass mailing of Default Notices re: assigned accounts.

[citizenB]

I['m waiting for them to post me a cd with all the names and addresses of all the debtors in the UK on it....

 

ALternatively you can probably find that in a coffee bar near to their office:rolleyes:

[AHMTHSSN]

Adam,

 

you should wait for the information that you have requested under s77/78 CCA

 

AC

 

Hi AC

 

Thats what I am going to do.

 

Thanks

 

Adam

[GamekeeperToPoacher]

Heh, I know nearly everything me. I bugged their offices one cold november day and listen in fairly regularly. Apparently Janice in accounts is having a thing with claude in HR...

 

I then nicked one of their laptops off a train at Euston when they weren't looking...

 

Or, if you think that the above might not be 100% accurate...shame on you!

 

It was just the 11 that threw me. I know they wrote to 13 cos last year so didn't know if you knew something else. I suppose there was the 1st credit thing but even if that was taken off then you are left with 12....

 

Well that's it Kraken, if it is true, then Janice and I are through!!

 

GK

[angry cat]

Link Financial Limited are awaiting their CCL to be renewed,

it expired in May 2008, that is 10 months ago...?

 

Application / Licence Details

Licence Number:0446835Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Link Financial Limited 3504939

 

Categories:

Consumer credit

Credit brokerage

Credit reference agency

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:Yes

Issued Date: 03-May-1998 Expiry Date: 02-May-2008

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Bernard Albert Ernest Saunders OFFICER

Mr Philippe Marcel Etienne Paillart OFFICER

Paul David Burdell

Robin Wilfred Roberts OFFICER

Selina Lee Burdell OFFICER

Stephan Karl Edward Ludwig OFFICER

 

Historic Individuals that run the organisation:

Name Position

Geraldine Ann Kennel OFFICER

Robert Mark Longden OFFICER

Selina Rigden EXECUTIVE DIRECTOR

Stephen Andrew West OFFICER

 

Nature of Business:

Other

 

Current Address(es):

Address Type Address

Correspondence 89, Albert Embankment, London, SE1 7TP

Principal Place Of Business 89, Albert Embankment, London, SE1 7TP

Registered Office 89, Albert Embankment, London, SE1 7TP

 

Historic Address(es):

Address Type Address

Principal Place Of Business 89, Albert Embankment, Londo, SE1 7TP

Principal Place Of Business Suite 3,01-3,02 Plaza 535, Kings Road, London, SW10 0SZ

Registered Office Suite 3,01-3,02 Plaza 535, Kings Road, London, SW10 0SZ"

 

Just keeping an eye on them!

 

AC

[Pathway]

We done AC

 

So why are they trading?

 

Trading illegally?

 

What's the OFT doing?

 

Another complaint to them!

[angry cat]

No, they are not trading unlawfully, their licence is still current, but awaiting renewal;

Hopefully, the OFT will clip their wings a little...

 

Naughty Link, they think that they can circumnavigate the OFT guidelines and get away scot free.

 

Many, many members have complained to the OFT about Link's Unfair Business Practice!

The OFT wheel turns very slowly.

 

AC

 

p.s. keep complaining guys, if you don't Link Financial will just carry on riding roughshod over you ALL.

[AA99]

Link have bought my car loan from GEMoney/CarCraft rip-off merchants so subbing with interest 8-)

 

ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate

Edited March 23, 2009 by AA99
ps

[archer_66]

AA99 they bought my GE account , and they have so far lost 3 payments! it took them over a year to find the one and im still waiting on them looking for the other one....

interesting about the expiry though, i cant see how they can trade if its expired?

[citizenB]

Link have bought my car loan from GEMoney/CarCraft rip-off merchants so subbing with interest 8-)

 

ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate

 

AA, sorry I dont know the answer to this question. Or is there something I am missing

[Kraken1]

ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate

 

Apparently not...

 

see here for info on the process:

 

http://www.oft.gov.uk/shared_oft/business_leaflets/credit_licences/oft969.pdf

 

and here for timeframes:

 

The Office of Fair Trading: Making an application for a credit licence

[phatram]

Arrived today,

 

 

 

I'm sure Mrs P doesn't have an account with Link. Do you think they are making it up ?

I must ask them again to provide the agreement!

[Toulose LeDebt]

LINI Financial?

[MAGDA]

Making things up is Link's area of expertise, Magda

[di.harry]

On the subject of SOA's... I received another letter from Link telling me that they're still dealing with my complaint made before Xmas! My complaint was that when asked for a SOA they produced one belonging to another customer (reported in this thread many pages back). Meanwhile they still haven't satisfied my request for the SOA (months later) under the CCA, so I'm paying them nothing until they do.... or until they send me a LINI letter

[phatram]

LINI Financial?

 

Scanner fault.

[AndyOrch]

Arrived today,

 

 

 

I'm sure Mrs P doesn't have an account with Link. Do you think they are making it up ?

I must ask them again to provide the agreement!

 

New tactical ploy from our friends at Link at least its more professional than the last lot of DNs:D

 

Regards

 

Andy

[citizenB]

Dont you just love that statement at the bottom

 

"If you have a problem with your agreement, please try and resolve it with us in the first instance"

[phatram]

Would sending a similar letter to alanfromderbys do any good?

 

 

2nd May 2006

 

 

Dear Sirs,

 

Reference: Your refs:

Please be aware that I do not acknowledge any debt to your company, and therefore require you to supply the following documentation before I will correspond further.

 

Firstly, you must supply me with true copies of the agreements you refer to in these matters. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing statements of account. I enclose a £2 postal order in payment of the statutory fee for each account.

 

I also require that you supply signed true copies of the deeds of assignment of the above referenced agreements.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I am now initiating investigations with MBNA into the validity of the original amount that was claimed to be owed, and will be in contact with you again in due course. In the meantime please be aware that I consider this matter to be “in dispute”.

 

 

Yours faithfully

Edited April 7, 2009 by phatram

[citizenB]

as long as you change the date phatram :lol:

[Alphageek]

and the fee is only £1.00

[Kraken1]

I also require that you supply signed true copies of the deeds of assignment of the above referenced agreements.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

This is wrong. You are not entitled to a copy of the deed of assignment under s77/89.

 

I think that it is very unwise to put incorrect info in letters like this; it advertises the fact that you don't fully know what you are talking about.

[di.harry]

and the fee is only £1.00

 

I think he mentions that it's 2 accounts, hence the £2.00 fee.

[phatram]

similar

Adjective

1. alike but not identical

 

;-)

 

I was hoping folks on here would've been able to figure that out.

[phatram]

This is wrong. You are not entitled to a copy of the deed of assignment under s77/89.

 

I think that it is very unwise to put incorrect info in letters like this; it advertises the fact that you don't fully know what you are talking about.

 

Its alanfromderby's letter not mine. I was trying to help people but you obviously know more than me, sorry for wasting your time.

[Kraken1]

No waste of my time. Don't worry about it. Just in a sharing the knowledge mood. It is what I do.