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    • debt buyer never have any info, bar one line in a debt buying portfolio spreadsheet that get loaded into the pc that automatically spews out threat-o-gram, then the claims to robocourt
    • Thanks dx.    Would I not SAR Asset Link Capital as it was assigned to them in 2016 (according to the POC)?   To provide some context, I'm familiar with attending hearings etc and have fought and won a couple of battles.  I don't mind risking a couple of K in extra costs to give it a shot but I need to feel that there is at least a chance of success.   The card was originally an Egg card taken back in 2000 and then sold to BC who then sold to Asset Link Captial (no5) Limited.   When I did a CCA request to BC back in 2015, they provided reconstituted T&C's that post dated when I took the card out with Egg and a Credit Agreement for BC (which was clearly made up as the account was with EGG!).   Appreciate you are being careful to provide advice and not push someone to do something that could end up costing more money, I'm up for the fight though!
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • you wont get eric and that doesn't solve your problem as thats mainly to do with private parking set asides really as most judges now view PPC Backdoor CCJ with dissent and grant it regardless.    i absolutely hate link and paul burrell he built up a £1B+ empire of wealth solely by conning debtors into paying debts they mostly didn't even owe, but in this instance you are on very shaky ground.   me pers i'd not even debated it and i'd just gone for it win or bust. once you get the set aside it should be plain sailing.   but you came for advice and i can't not be truthful here.   the only otherway to better gauge you chances is to SAR Barclaycard , get everything they hold. that will show you the cards that Link will have to play with , they might well be pants.      
    • I have read everything about these cowboys but need a little advice. I was issued my fine on 9/12/19 but only received a dated letter on 11/01/20.   Ive had all the threatening letters from DRP and now Zenith and ignored them all. My wife was driving our car but yet its my dad who's getting all the letters as he's the registered owner.   They managed to get my number and rang me today, I busted them for being the same company but the guy on the phone was super aggressive.   I said to him Ive spoken to Trading Standards and they told me by law a ticket has to be issued within 14 days of the offence. But as you can see it was over a month,   I said this to the aggressive dude on the phone who actually knew way to much about parking fines. I think they are actually under the same umbrella as VCS also.   He was firing back that the law doesn't state that and I should look at 2012 laws or something and the DVLA, and it takes time to get my details from the DVLA to issue my charge????   Does this mean anything to anyone pls Regards   Stuart
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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Hi i'm new to this but i'm am looking for help. I have had a £850 pay day loan with Cheque Centres which I have bought back for the past 20 months! I am currently off work and awaiting surgery to enable me to return to work. I will receive half pay in Sept this will only last 4 months then on to benefits I guess. I have a 12 week wait for surgery. My financial difficulties started about 18 months. I am on my own with 3 kids. My dad died suddenly and he had been my child care for the 3 kids. I had to reduce my hours to part time and pay child I do receive some help from tax credits. I emailed cheque centres 2 weeks ago and asked if they would consider freezing any further interest and allow me to repay the £850 plus current interest at £175 per month. I had asked them to contact me via email or post. I received a reply email stating they would need to see proof of the reasons why I am off work. I sent them a copy of my fit note from my GP. I have received a phone call from the supervisor stating the area manager will not do anything until I am on half pay. She said what they can do for me is to roll over the loan this month so I only have to pay the £172 interest. This is basically what I have been doing for the past 20 months!!

I don't know what to do now as they have refused my offer at present! I would liked to have this paid off as soon as possible in case I do end up on benefits. Anyone any advice

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Sorry to hear of your current circumstances. I would email them back and highlight the fact that you have been a loyal customer with a good payment history. Also point out that it is in everyone's interests to get a plan in place now rather than wait until your on half pay.


If you email them and update the site.

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  • 5 weeks later...

Still waiting to hear they I keep writing to them but they never write back only phone!! To offer a Rollover! I have since changed my bank account etc I sent them a cheque at the end of last week for the £175 monthly payment I had offered them and have asked them to contact me in writing if they will accept these monthly payments with interest frozen. Fingers crossed

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I think your being too nice to them. They should have replied by now. If you write to them again tell them you will only accepted correspondences in written form. I would refuse to speak to them or answer their security questions if they phone you again.

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