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    • 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. So 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
    • Thanks to both of you, I've PM'd Ericsbrother.   dx - I wonder if you would be able to suggest a couple of hypothetical basic defences that you think would be valid  (just to see if it sparks any thoughts of a different approach I could take)?
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urgent help needed hsbc have sent me a ccj

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I really need help, I don't know what to do. The end of last year I had to change banks. I was over my overdraft limit and hsbc were declining council tax payments and other direct debits. I fell behind in my council tax and as I work in local government they went directly for an attachment of earnings and took £300 a month from me (this crippled me and my husband) and we had a very hard time just trying to keep a roof over our heads, fell behind with all our bills, and had rent arreas because of it.

During this time I opened up a new bank account with natwest, as my salary was being swallowed by my o/d, charges were increasing and bill payments were not being paid.


Now I've received a county court claim form Northampton, for the sum of £2446.79 (£400 of which is charges). I have serveral other debts and do owe around £20,000. My husband is unable to work (he doesn't receive any benefits) so my salary is all we have.


currently after paying all our essential bills, rent, healthcare, food and travel I don't have anything remaining at the end of the month. Although I don't have an overdraft anymore my bank balance is £0 long before payday comes back round.


So I'm now panicking about the court order, and what to do next. Im worried about what they will order me to pay, and that I won't be able to afford it.


If anyone could offer any help I would be very gratefull.


Many thanks , Jo.

Edited by ziggycatuk
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Hi Ziggy


Welcome to the CAG


I'm sure others will respond shortly, it's the weekend so be patient.

With regards to your other debts, if you have credit card debts, have you sent a CCA Request? Have you got any Penalty Charges you could claim back with interest, going back at least

6 years. Have you been mis-sold any PPI that you could claim back with interest. With a CCA Request you can find out if the agreement is enforceable , if it isn't you can put the account in dispute. All templates and spreadsheet can be found on this site.

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The Consumer Forums - Library


If you need to get hold of statements, you can send a SAR request, for each company you would have to send £10, but well worth it if you've got penalty charges.

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Please can anyone help me with advice, the court order was dated 21/07 so I'm running out of time to respond.


Ive done a full income and expenditure that clearly shows after basic shopping, bills, food and rent I have nothing remaining.


Do i need to get the court juristiction moved from Northampton? and will they take my income and expenditure into account?


They only asset I own is my car, and without this I will not be able to do my job. I really worried they may take it.


any advice. thanks , jo

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I've bumped the thread to the site team, so someone should be along shortly.


Did you look into and send off the CCA requests as Rebel commented?




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Have you completed the AOS ?


Have you sent a CPR 31.14 request ?


Have you done a search on the site for problems similar to your own ?


What is the claim for ? ( overdraft, credit card etc.. )


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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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