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

[angry cat]

Help, just logged on to this web site. I'm a student with debts, possible ccj's around 15k, didn't know about them, didn't live in this country between 2002-2008, think debts go back to early 2003. don't know where to start, don't have income, husband low wage earner since returning to uk, checked with govtrust org, nothing seemed to be registred to my name - any suggestions?

 

Could it be that this matter is in relation to the student loan company?

[soslanza]

I have started university this year, mature student financially supported by my husband, no student loans. Have easycash bank account only, cant get credits cards, my husband paying back £50 a month to link finance due to card debt in his name. Had business aboard lost the lot due to recession. Now in rented flat, low income, and debt worms crawling out of woodwork. Link are the only company that had any contact with.

[angry cat]

I have started university this year, mature student financially supported by my husband, no student loans. Have easycash bank account only, cant get credits cards, my husband paying back £50 a month to link finance due to card debt in his name. Had business aboard lost the lot due to recession. Now in rented flat, low income, and debt worms crawling out of woodwork. Link are the only company that had any contact with.

 

Well, Link (et al) cannot get blood out of the proverbial stone, then.

 

Sorry to hear about your probs; so many people are in the same position:(

However, due to your financial circumstances, you are safe.

 

You state that your OH is paying £50 per month to Link in respect of a credit card debt.

Who was the original Creditor (who provided the credit card)?

 

I would suggest, making a SAR to the original creditor and;

make a section 78 Consumer Credit Act 1974 Request.

 

The statutory fee's payable are:

SAR: £10;

CCA: £1.

 

Last question:

 

Did your OH take out the credit card payment protection insurance?

Edited November 26, 2009 by angry cat
spelling

[angry cat]

Also, just wondering can you both afford to be paying Link £50 per month;

Priority Bills must come first!

[soslanza]

Thanks for the information so far, a great help. Have big exam tomorrow so trying to revise today. I will look further into what you have suggested and join forum again over the weekend. M:Dany thanks folks

[angry cat]

Good Luck with your Exam!!!

 

Please try not to worry about your other problems:)

[emandcole]

Ah, do I hear the rumblings of another Link kicking on its way?

 

Welcome Soslanza and yeah, good luck with the exam. Angry Cat is a Link pro so follow the advice and we'll all look out for you. If you have any difficulties with the advice please let us know, there is no shame in asking and in time you'll be able to help others too.

 

One quick thing to remember, don't sign anything or provide any signatures. If you don't understand why I've written that please let us know and we'll explain further. Hope it's not patronising but wouldn't want to see you get a bad deal ok?

[angry cat]

Emandcole...

Not forgetting MAGDA, of course!!!

 

Boxing gloves, always at the ready:)

[angry cat]

Nice to hear that some of us are Happy...

post number 60:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/114015-phone-call-02077932682-a-3.html

 

Not so clever are you, Link Financial Limited?

 

Harassing Consumers who are "In Dispute".

 

SHAME on you LINK FINANCIAL LIMITED!!!

[jdes26]

that bollinger sounds good morrisons here i come.... birthday dec 1st oops im limited to 3 bottles

[angry cat]

You deserve the Bollinger... (MBNA giving money back Blimey...?)

 

Paul Burdell, does NOT!

[MAGDA]

Nice to hear that some of us are Happy...

post number 60:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/114015-phone-call-02077932682-a-3.html

 

Not so clever are you, Link Financial Limited?

 

Harassing Consumers who are "In Dispute".

 

SHAME on you LINK FINANCIAL LIMITED!!!

 

No, bet Link won't be very happy that MBNA has refunded it direct, rather than to them. Someone will have a very nice Xmas, well done!

[angry cat]

You are right MAGDA.

However, the PPI repayment wasn't/is NOT, their money!

 

There are many of us who are being chased by Link Financial, when in fact these Consumers should not be pursued at all when there is a genuine Dispute about e.g. the mis-selling of PPI etc...

 

Link Financial cannot have their cake and eat it!

[soslanza]

Hi Folks, Exam went well today, but the downer of the day was a letter sent to a relatives address in my name. It is from BMS Ltd saying I owe money for a Barclayloan, never owed any money for a loan, only a bit on a overdraft in 2003. Letter says it is a notice of assignment, saying county court claim No.*******. It says BMC has been instructed by HLCF Ltd(who are they?) What should I do? Technically I have not received this letter because I do not live at that address, however the relative is elderly and I would not want any hassle for them.

[citizenB]

Hi Folks, Exam went well today, but the downer of the day was a letter sent to a relatives address in my name. It is from BMS Ltd saying I owe money for a Barclayloan, never owed any money for a loan, only a bit on a overdraft in 2003. Letter says it is a notice of assignment, saying county court claim No.*******. It says BMC has been instructed by HLCF Ltd(who are they?) What should I do? Technically I have not received this letter because I do not live at that address, however the relative is elderly and I would not want any hassle for them.

 

 

I think we need a little more information. YOu say you have received a Notice of Assignment with a County Court Claim number on it ?

 

It is either a County Court Claim, in which case you need to act within time scales. Please start a thread in the legal issues.

 

Or it is a Notice of Assignment then it needs to be issued correctly, date, amount etc. Again, you will need to start a thread and give more information in order for people to advise you correctly.

[somad]

well cant get my breath.... we went to court today and the judge said yes keep the payments the same, but them said that link can apply for a charging order..... OMG and now link are persuing for another cant we put in an objection or what!!!

 

Link aslo sent me a letter to tell me i have defaulted om the contracted payment , whne thy have jsut obtained a ccj, can they do that , that 1 per month from GEadded to the account and now 2 from link since they took over that £130 per momth default and good knows how much in interest...omg!!!

[MAGDA]

hi Somad, isn't it the case that they got judgement by default originally? Not really sure what actually happened, i.e., did you you receive the court papers and defend it originally, or were you told to send the papers back to Link? If you can give a bit more info, hopefully we will be able to help.

 

Magda

[somad]

we are in DMP woth payplan the filled all forms in and sent them back judegemnt was absed on the infromation given , but domnt know if court got them or link , document states to post back to link if admitting fault, defence direct to court? paypal advised us to admit liability , applied for a cca and they sent me the infromation back but the contracts not great!!! some sections missing form it!

 

judge looked over it said yes to leep payments same and has ordered a charging order yet to go ahead, which i think is disgusting as we have done everything we can to make bloody payments... im defending the next one as we havent had everyything back from the CCA, just statements which are not true copies of what we get from GE, Its just a print off, no contract recieved or T&C or had a letter from them to say they have bought the debt other than a mention in a phone call... or i might even go on the defence of unfair relationships, harrasssemnt, misrepresentation and failing to deal with a third party, just demanding money and being abusive...

 

Can we object to the charging order the judge said today that they would get it , but im concerned if other creditors might do the blooody same, but they have all accepted our repayment terms.

[MAGDA]

By the sounds of it, it might be worth trying to get the judgement set aside based on the fact that Payplan completed the forms and admitted liability on your behalf, and you did not in fact have the opportunity to defend based on all of the information needed. Did you ask Payplan to complete the forms, i.e., did you initially receive the forms and forward them on to Payplan, or were they sent direct to Payplan without you seeing them? these companies, such as Payplan, CCCS etc will always advise you to admit liability - I have always found it worrying that they are actually sponsored by the creditors themselves.

 

Magda

Edited November 30, 2009 by MAGDA

[nello]

Subbing to this.

 

Just had a voice message from someone called Shaun Jones asking me to ring back on 0800 064 4499

[Seminole]

Yep, that's Link. Don't call him back or ever speak to them over the phone. If it's important they'll write to you.

[angry cat]

I note that Link Financial continue to treat consumers unfairly!!!

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/236420-been-very-stupid-going.html

[Seminole]

I note that Link Financial continue to treat consumers unfairly!!!

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/236420-been-very-stupid-going.html

 

and seem to continue to have an unhealthily friendly relationship with their local county court.

[angry cat]

Christmas hamper time!

[jdes26]

stink financial.... r they back...??

well shaun jones he is a popular guy he must have changed his name as his brother wanted to spk to me carl jones... yes pair of t.....rs if you ask me....