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

[marg53]

AA99

 

Thanks for your post.

Yes it is amazing how trusting we can be, I always assumed that the company's are somehow policed so that everything they said and did was legal and correct. I must be so thick!!

Reading through the post on these boards has been a bit of a shock , discovering the underhand tactics employed by the debt collectors is amazing.

 

Thanks again

Marg

[angry cat]

by marg53:

"it is amazing how trusting we can be, I always assumed that the company's are somehow policed so that everything they said and did was legal and correct."

 

The majority of the members on this site held that view, prior to becoming empowered with knowledge about their rights.

 

Thank goodness for The Consumer Action Group and; stand up for your 'Rights'...!

 

AC

[marg53]

Well said Angry Cat .

 

I feel all militant now and will definitely from this day forward be standing up for MY rights!!!!

 

Thanks for the encouragement and advice.

Regards to all

Marg

[zolajack]

Has anybody else realised that the DCA's do not seem to be picking up their registered letters anymore.

I have three in the pipline at the mo all posted on the 13/10. and still not signed for.

[angry cat]

With Link Financial, even under normal circumstances, it is nigh on impossible to obtain proof of delivery!

[AA99]

Has anybody else realised that the DCA's do not seem to be picking up their registered letters anymore.

I have three in the pipline at the mo all posted on the 13/10. and still not signed for.

 

I'd check that if I was you, I understood they got returned after 7 days non-delivery. You can do it online or by freephone:cool:

[somad]

New to this site! Thanks for your advise so far , took some reading, but now i do need to post!

 

LINK - TW**s

They issued us with a letter saying that we need to pay them with no dates, back in august- when we phone up they were dam right rude as they have been to everyone else, wont deal with payaplan happy to take money put taking to court for non payment and accountin default... they then sent us a letter for court not even a letter before action... payplan filled it all in , a ccj was issued by northamptn bulk office, with a fee of £96 when we can only pay £38, so we sent a letter to court asking for reconsideration its now in our local court and awaiting court date, we did issue a cca to link but they didint provide the details in the 12+2 days and now some 30-35 day letter they have sent what we asked for .....my question is even after they have accj can we still ask for it to be set aside as they didint have the proof and we only filled the papers as payplan advised us to...??

 

2. we als have anothe debt with GE that has been passed over to link, we sent a cca straight away again they failed to provide the details and they have just send us the details the deadline date was 6th oct, will that be in default? QUESTION: can they still chase us for the money if in default? What would our next pkan of action be on both accounts??

 

They did tell me that they was going for acharging order on the house?, do dea with debt managment kans, ive reported to TS , but TS advsied not to report to OFT as they only deal with financial companies not DCA!

 

IF THEY ISSUE COURT PAPERS WE INTEND TO DEFNED BUT WHAT WOULD OUR DEFENCE BE AS THEY HAVE SENT THE PAPER WORK FOR BOTH ACCOUNTS NOW JUST NOT IN THE TIME SCALE GIVEN...

 

PLEASE ADVISE ASAP; THANKS

[somad]

They Did Send Me Letters Saying The Details Will Follow Or I Should Have Recieved Letters, Keep Enelopes They Come In As They Show The Posted Date Marks!!

[MAGDA]

Hi Somad, are the agreement in both cases enforceable, if you're not sure, post them up. If they do take you to court on the second one, there are other issues you can defend on, i.e., Default Notice not being compliant, The Assignment, cancellation rights, if they apply, etc.

 

Also, OFT do deal with complaints regarding DCAs, so you can certainly report Link to them.

 

Magda

[angry cat]

Please see post number 24:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/221243-link-financial-check-out-2.html

 

Nice one Link Financial!

 

AC

 

Link Financial are out of control!

 

No doubt, you have all read about emandcole (link shown above) similar experience ...outrageous.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/229766-problem-link-finacial.html

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/149707-link-financial-asset-link.html

scroll down to post number 9.

 

AC

Edited November 2, 2009 by angry cat

[angry cat]

by emandcole:

 

"As you are aware, a County Court Summons has been issued against you and we would urge you to complete this and return it to us at your earliest convenience to prevent a default judgment being obtained.

 

We trust this is of assistance to you and look forward to receiving your completed claim by return of post."

 

Clearly their aim is to misdirect you into sending court paperwork to them instead of to the court ! The court then register you haven't responded and Link move in for the kill. How dirty can you get? So, if anyone is dealing with these cowboys be mindful of what they send you and do not be misdirected. There is of course no comeback on Link as it's your responsibility to get the response back to the right place at the right time."

 

by Somad:

 

LINK - TW**s

They issued us with a letter saying that we need to pay them with no dates, back in august- when we phone up they were dam right rude as they have been to everyone else, wont deal with payaplan happy to take money put taking to court for non payment and accountin default... they then sent us a letter for court not even a letter before action... payplan filled it all in , a ccj was issued by northamptn bulk office, with a fee of £96 when we can only pay £38, so we sent a letter to court asking for reconsideration its now in our local court and awaiting court date, we did issue a cca to link but they didint provide the details in the 12+2 days and now some 30-35 day letter they have sent what we asked for .....my question is even after they have accj can we still ask for it to be set aside as they didint have the proof and we only filled the papers as payplan advised us to...??"

 

by Flaminscotty:

 

"To all regardig LINK FINANCIAL.

as far as I am concearned LF have lied to me and to the CAB!

LF went to court Northampton Bulk center and a court summons was sent to my home address.

They are now applying to a local court in Wales to get a charging order on my house and charge me interst at 19.95 % pluss court fees £170.

I went to my local CAB and their so called Financial expert was expected by me to respond to the court summons with a prepaired defence. He failed to respond, and LF won the case by default without any responce being sent by CAB(advice please)?

CAB now claim that LF assured them that the case was on hold (as they did to me on more than three ocasions by phone).

The next thing I know is the day I open a letter from Northampton County Court to say LF win there case by default as no responce was sent to the court within 7 days full amont now due pluss cort fees added.

when I contacted link to ask why they assured me the case was on hold and that they would notify me when they had got the relavent info from GE Money... This now apperas to be a blatent untrouth as they went to court at the same time as telling me and the CAB that the case was on hold!!!!! I then complained to Northampton court and they put me in touch with the legal advice line and a solicitor from them says that LF have acted in a deceatfull way by lieing to me and the CAB on more than one ocasion coments please.

Flaminscotty."

 

[EMPHASIS]

when I contacted link to ask why they assured me the case was on hold and that they would notify me when they had got the relavent info from GE Money... This now apperas to be a blatent untrouth as they went to court at the same time as telling me and the CAB that the case was on hold!!!!! I then complained to Northampton court and they put me in touch with the legal advice line and a solicitor from them says that LF have acted in a deceatfull way by lieing to me and the CAB on more than one ocasion"

Edited November 2, 2009 by angry cat

[angry cat]

http://www.justice.gov.uk/consultations/docs/cpr2207-response.pdf

 

My view is that firms such as Link Financial & Cabot etc., are breaching their own code(s) of practice thus breaching the CPUTR's by not treating their customers fairly!

 

The use of deceitful/misleading practices when issuing county court claims through Northampton CC Bulk Centre e.g:

failing to send out LBA's

serving vague particulars of claims;

misdirecting duly completed claim forms to their own offices as opposed to back to the court etc...

must be considered to be 'Unfair Practice' and abuse of the courts.

 

It has become increasingly worrying that these firms are using these deceitful methods, inorder to obtain default judgements!

 

AC

[angry cat]

Link are not following the OFT guidelines and they are not following the code of practice that they must adhere to:

http://www.csa-uk.com/media/editor/file/Code%20of%20Practice%202009.pdf

[citizenB]

by emandcole:

 

"As you are aware, a County Court Summons has been issued against you and we would urge you to complete this and return it to us at your earliest convenience to prevent a default judgment being obtained.

 

We trust this is of assistance to you and look forward to receiving your completed claim by return of post."

 

Clearly their aim is to misdirect you into sending court paperwork to them instead of to the court ! The court then register you haven't responded and Link move in for the kill. How dirty can you get? So, if anyone is dealing with these cowboys be mindful of what they send you and do not be misdirected. There is of course no comeback on Link as it's your responsibility to get the response back to the right place at the right time."

 

by Somad:

 

LINK - TW**s

They issued us with a letter saying that we need to pay them with no dates, back in august- when we phone up they were dam right rude as they have been to everyone else, wont deal with payaplan happy to take money put taking to court for non payment and accountin default... they then sent us a letter for court not even a letter before action... payplan filled it all in , a ccj was issued by northamptn bulk office, with a fee of £96 when we can only pay £38, so we sent a letter to court asking for reconsideration its now in our local court and awaiting court date, we did issue a cca to link but they didint provide the details in the 12+2 days and now some 30-35 day letter they have sent what we asked for .....my question is even after they have accj can we still ask for it to be set aside as they didint have the proof and we only filled the papers as payplan advised us to...??"

 

by Flaminscotty:

 

"To all regardig LINK FINANCIAL.

as far as I am concearned LF have lied to me and to the CAB!

LF went to court Northampton Bulk center and a court summons was sent to my home address.

They are now applying to a local court in Wales to get a charging order on my house and charge me interst at 19.95 % pluss court fees £170.

I went to my local CAB and their so called Financial expert was expected by me to respond to the court summons with a prepaired defence. He failed to respond, and LF won the case by default without any responce being sent by CAB(advice please)?

CAB now claim that LF assured them that the case was on hold (as they did to me on more than three ocasions by phone).

The next thing I know is the day I open a letter from Northampton County Court to say LF win there case by default as no responce was sent to the court within 7 days full amont now due pluss cort fees added.

when I contacted link to ask why they assured me the case was on hold and that they would notify me when they had got the relavent info from GE Money... This now apperas to be a blatent untrouth as they went to court at the same time as telling me and the CAB that the case was on hold!!!!! I then complained to Northampton court and they put me in touch with the legal advice line and a solicitor from them says that LF have acted in a deceatfull way by lieing to me and the CAB on more than one ocasion coments please.

Flaminscotty."

 

[EMPHASIS]

when I contacted link to ask why they assured me the case was on hold and that they would notify me when they had got the relavent info from GE Money... This now apperas to be a blatent untrouth as they went to court at the same time as telling me and the CAB that the case was on hold!!!!! I then complained to Northampton court and they put me in touch with the legal advice line and a solicitor from them says that LF have acted in a deceatfull way by lieing to me and the CAB on more than one ocasion"

 

 

Can you get a letter from CAB to say they were given this information by Link on the telephone ? That will help in your complaint to the regulatory authorities.

 

Are you going to attempt to have the judgement set aside ?

[Deb T]

I always thought it was against the rules to offer further loans to those already in trouble. Links own pages are less than clear

 

LINK Financial :: Customer

[citizenB]

I always thought it was against the rules to offer further loans to those already in trouble. Links own pages are less than clear

 

LINK Financial :: Customer

 

They arent supposed to according to the OFT guidelines:(

[melmumof3]

i keep reading this forum, i havent heard from link since may now, when they apply to get a charging order against property, i assume you know and get something from the court etc???...... im worried because ive NOT heard from them lol....

[angry cat]

by emandcole:

 

"As you are aware, a County Court Summons has been issued against you and we would urge you to complete this and return it to us at your earliest convenience to prevent a default judgment being obtained.

 

We trust this is of assistance to you and look forward to receiving your completed claim by return of post."

 

Clearly their aim is to misdirect you into sending court paperwork to them instead of to the court ! The court then register you haven't responded and Link move in for the kill. How dirty can you get? So, if anyone is dealing with these cowboys be mindful of what they send you and do not be misdirected. There is of course no comeback on Link as it's your responsibility to get the response back to the right place at the right time."

 

by Somad:

 

LINK - TW**s

They issued us with a letter saying that we need to pay them with no dates, back in august- when we phone up they were dam right rude as they have been to everyone else, wont deal with payaplan happy to take money put taking to court for non payment and accountin default... they then sent us a letter for court not even a letter before action... payplan filled it all in , a ccj was issued by northamptn bulk office, with a fee of £96 when we can only pay £38, so we sent a letter to court asking for reconsideration its now in our local court and awaiting court date, we did issue a cca to link but they didint provide the details in the 12+2 days and now some 30-35 day letter they have sent what we asked for .....my question is even after they have accj can we still ask for it to be set aside as they didint have the proof and we only filled the papers as payplan advised us to...??"

 

 

 

 

Can you get a letter from CAB to say they were given this information by Link on the telephone ? That will help in your complaint to the regulatory authorities.

 

Are you going to attempt to have the judgement set aside ?

 

Quite Right CB!

 

I would be throwing all my toys out of the cot;

why weren't Link Financial taking notice of and working with an accredited advisory service such as the CAB?

[citizenB]

 

 

 

Quite Right CB!

 

I would be throwing all my toys out of the cot;

why weren't Link Financial taking notice of and working with an accredited advisory service such as the CAB?

 

Because they are getting away with it, AC.. !. I am really surprised that CAB havent offered to help make a complaint in this respect as well. It doesnt look to good for them if they are just going to sit back and let this kind of abuse go on.

[angry cat]

i keep reading this forum, i havent heard from link since may now, when they apply to get a charging order against property, i assume you know and get something from the court etc???...... im worried because ive NOT heard from them lol....

 

Fully appreciated your concerns melmumof3

 

It is very important to keep our wits about ourselves in respect of Link Financial especially whilst the postal strike continues!

Link clearly will continue to use 'Unfair Business Practices'...

 

However, they cannot obtain a charging order on your house, unless they have taken you to court prior and obtained a CCJ.

 

I believe this matter re: the obtaining of default judgements is extremely serious indeed.

 

AC

[angry cat]

Because they are getting away with it, AC.. !. I am really surprised that CAB havent offered to help make a complaint in this respect as well. It doesnt look to good for them if they are just going to sit back and let this kind of abuse go on.

 

The CAB can make a Super Complaint, the OP needs to get back on to the CAB;

lets get this out in the open.

[melmumof3]

Fully appreciated your concerns melmumof3

 

It is very important to keep our wits about ourselves in respect of Link Financial especially whilst the postal strike continues!

Link clearly will continue to use 'Unfair Business Practices'...

 

However, they cannot obtain a charging order on your house, unless they have taken you to court prior and obtained a CCJ.

 

I believe this matter re: the obtaining of default judgements is extremely serious indeed.

 

AC

i was reading this forum just before bed last night, and then had trouble sleeping, not good bedtime reading is it!!!

its awful how people are being treated. im going to court a month from today, with HFO services, so im pretty nervous already anyway as never been inside a court room, and dont know what to expect, or say to a judge. but i guess i get my day in court as they say!.....

the last letter from link i have was a 'final response' regarding the complaint i made to them. and it says that after 8 weeks the file will be closed....how would you stand if a court summons was lost in post....!! i really dont want to open up a can of worms ringing them to see why they havent contacted me.

[angry cat]

We are all in the same boat.

 

I would not blow this matter out of all proportion. If Link Financial issue a county court claim and it is not received;

you apply for a set aside.

 

http://www.consumerforums.com/resources/templates-library/51-guidance-notes/620-applying-for-a-set-aside

[melmumof3]

We are all in the same boat.

 

I would not blow this matter out of all proportion. If Link Financial issue a county court claim and it is not received;

you apply for a set aside.

 

http://www.consumerforums.com/resources/templates-library/51-guidance-notes/620-applying-for-a-set-aside

thanks for that AC.

[angry cat]

Point:

 

I believe that we can take comform in the fact that, this thread was started in order to bring to the attention of ALL members, the Unfair Business Practices/tactics employed by Link Financial.

 

Clearly, this has been acheived;

we ALL know their game:

 

Know Thine Enemy!

 

AC