link financial wierd claim (new member)

[davey77]

Post up everything you have relating to an agreement. Then people will be able to advise appropriately.

[Pinky69]

There seems to be some info going about that Link Financial are waiting to have their consumer credit licence renewed and have been for some time. It might be worth phoning the OFT to check that Link are properly licensed.

[davey77]

Link Financial Limited:

 

Licence Number 0446835

 

Licence Status: Current

 

Issued Date: 03-May-1998

Expiry Date: 02-May-2008

[davey77]

Status: Active

Date of Incorporation: 05/02/1998

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6512 - Other monetary intermediation

Accounting Reference Date: 30/11

Last Accounts Made Up To: 30/11/2007 (FULL)

Next Accounts Due: 30/09/2009

Last Return Made Up To: 05/02/2008

Next Return Due: 05/03/2009

Last Members List: 05/02/2007

Previous Names: Date of change Previous Name 20/02/1998 BEACHGLANCE LIMITED

[deeper]

hi all, ok sorry, here's the rest of the mail i got from link. one is the "small print" accompanying the CCA and the other two are summaries of charges.

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

thanks in advance,

 

d.

[davey77]

No.1 is T&Cs

 

No.2-3 are just statements,

 

No signature document there.

[Von Greenbach]

Expiry Date: 02-May-2008

I take it they no longer have a licence to collect then?

[deeper]

hi davey77, sorry, those were posted earlier, here they are again.

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

[deeper]

ok that is all the paperwork i have for this case, please help!!

[davey77]

Asset Link Capital (No.1) Ltd

5322368

Expiry Date: 01-Mar-2010

 

ASSET LINK CAPITAL HOLDINGS LIMITED

 

Link Financial and Asset.. looks like the same people. Same postcode and same people involved. (Haven't even bothered much to change their logo colouring.)

 

At any rate that pre-contractual application form does not contain any prescribed terms, or any other terms or statutory notices as required by the CCA1974.

[The_Grumlin]

Looking at your statements you have been overcharged interest in march 06 in breach of the terms of the agreement. Not much but I have seen this in a lot of these statements comming from GE consumer lending accounts.

[deeper]

davey, so are you saying they are not able to approach me for this debt in the first place??

 

how should i respond to their letter?

[davey77]

I see also (zooming in closer) you have APR etc there although it's written in by hand and also states 'anticipated' monthly payments.

 

Under 'F' in related particulars it states "see condition four overleaf". So there are other parts to this agreement? I take it you don't have those?

[deeper]

no this is all they sent me.

[davey77]

Since the form refers to information 'overleaf', I would ask that you be supplied those 'other parts' to the document.

 

Section 78(1) of the Consumer Credit Act 1974:

“shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it”

[deeper]

hi davey77 and all,

 

i've just read the terms and conditions, and the "overleaf" referece that you referred to, and it would seem that the T&C in the original were on the back of the agreement, as in several of the terms and conditions, it refers to "as laid out on the front of this document", so no, there are no other parts to the CCA.

 

how do i now proceed??

[davey77]

Doesn't sound like a complete agreement then. I would write asking exactly for that.. all parts of the alleged agreement and any other document referred to in it.

[deeper]

there are no more parts to the agreement. one photocopy is of the front of the document, and one photocopy is of the back of the agreement. there was only ever, according to this, one sheet of paper. CCA on the front and T&C on the reverse. these are as per photocopy.

 

now what do it do???

[deeper]

hi can anyone help me further with this??

[davey77]

Having gone through the thread from start to finish again (and seen i haven't been very on the ball) it's hard to say where to go with this one.

 

Their condition 4 overleaf i mentioned before seems to match up with the 'back' of the document. (Was hoping there would be a discrepancy there.)

 

All i can suggest is looking closer at the PPI angle and also at grumlins point (post 36) about being overcharged interest?

You could certainly view the £20-£30 charges you've been penalised with as unlawful.

 

I would make an appointment with a CAB that has a specialist debt advisory service and point out these areas and ask them to go through the paperwork.