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    • SERCO seem to be a default company that Government use to perform contact centre type tasks. So any department faced with a problem, say a sudden increase in incoming phone calls, which they cannot handle, because they are dealing with more immediate issues such as making payments to the public, may in the short term involve SERCO.   SERCO seem to employ a lot of security cleared, DBS checked, financial checked etc employees, so they seem to equipped and ready to manage tasks on behalf of Government departments.   No idea just how much work SERCO does on behalf of Government, but I should imagine it makes up a sizeable chunk of their business.   Public Health departments may want to perform the work themselves, but given the number of employess required, the recruitment process involved, the hours of work 24/7 and just how quick they need to be set up to perform the work, I question whether they are better placed to do so.   I wouid always prefer public sector employees over outsourced contracts, but I can understand why Government uses companies such as SERCO. 
    • Well, we’ve found something we agree on.   you’ve described the unfairness, but haven’t said what (realistically!) you feel your options are.
    • There's a campaign against Serco and in favour of local public health people. Apologies for one bit of language but it's a memorable slogan.   https://twitter.com/i/status/1309910583790252037  
    • Hi.   What type of lease have you had up to now please?   HB
    • my options are if they can be shown they have some responsibility as they did earn commssion and the resturant has its payment. so both parties and paid and i lose out. if we can show they have some moral if not legal obligation then maybe they can give me some refund if not all.   imagine how many others being screwed over too?   beacuse it is online are we to be cheate for now untill goverment decides to govern this area of ecomerese or something?   i dont have a clue.
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Help! Asset Link/capital one default from anglian windows

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How can I remove a default notice against my name from Asset link?

I posted originally in 2007 in the forum Capital one (Help! Asset Link is taking me to court)

In brief, I purchased a conservatory from anglian in 2002 for £11200 and although offered to pay in full was persuaded to take on an interest free finance agreement which I paid by direct debit for 12 months with no penalty for the balance being paid in full. After this finished, I never heard anything again from the company. In 2004 I moved into my present address, and in 2007 received a letter from Asset link saying i still owed for the conservatory - interest had been added each month without my knowledge. My loa was £11 700, charge £45

6/8/02 deposit paid £1755

1st payment £277.22 then 10 monthly payments £232.22 and final payment of £7390.58 totalling £11745.

Anglian refused to comment on this - I felt there must have been a computer error or a rogue salesperson! Following brilliant advice on this forum, I never heard anything again from them.

I telephoned Northampton court this week and they say they never heard anything again either.

So how can they put this default against my name?

Is there anything atall I can do? Please help!!! Melanie

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Something very wrong here.

You took the loan out in 2002, paid it off in 2003 therefore even if a legitimate default was placed, that would have been early 2004. The default stays on file for 6 years so by rights, this should have fallen off by now. If the default is recent, I would complain to the CRA and the DCA as defaults have to be placed in a timely manner, certainly no later than 6 months after the first missed payment.


Trying to get copies of any paperwork from Anglian will be hard as they only have to keep documents for 6 years after closure of the account but it may be worth sending them a SAR to see if they have anything. I would suggest you do the same with Cap1.

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Thanks for that - I could not find an address for the CRA through the link (am assuming that is the Credit Referral Agency??). If I write to Asset Link should I just ask why the default is there and when it was put on. Is there anything legal I can quote at them? Thanks very much Melanie

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I was under the impression you had got a copy of your credit report.

Here are the web sites for the 3 Credit Reference Agencies




You will be able to find contact details on there


I don't know of anything legal you can throw at the Debt Collection Agency but I would be threatening them with a complaint to the Information Commissioner for placing this default

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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