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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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      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
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Advice with Statue Barred-debt \ satisfied


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Mornin all,

 

Im after some guidance\assistance on the best course of action for the following

 

I have recently received a letter from Newman debt collection, chasing me for £297 for a bank.

Firstly, I was slightly shocked to receive it, so I paid to have a copy of my credit repport, 2 things.

 

its shows as being settled in December 2009

its over 6 years old

 

Ive called Equifax and they say that they should not be contacting me, so to call them.

 

the letter states "if you do not pay this, you will incure a CCJ.........lalalalala..."

 

im not sure that I did settle it, however, my credit file shows, its settled, as above.

Im tempted to just ignore it, but wanted some advice here.....?

 

I have a copy of my credit file that shows its settled also...!

 

any advice, is great advice, thanks in advance

 

J

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Mornin all,

 

Im after some guidance\assistance on the best course of action for the following

 

I have recently received a letter from Newman debt collection, chasing me for £297 for a bank.

Firstly, I was slightly shocked to receive it, so I paid to have a copy of my credit repport, 2 things.

 

its shows as being settled in December 2009

its over 6 years old

 

Ive called Equifax and they say that they should not be contacting me, so to call them.

 

the letter states "if you do not pay this, you will incure a CCJ.........lalalalala..."

 

im not sure that I did settle it, however, my credit file shows, its settled, as above.

Im tempted to just ignore it, but wanted some advice here.....?

 

I have a copy of my credit file that shows its settled also...!

 

any advice, is great advice, thanks in advance

 

J

 

They sometimes show as settled if the Original creditor has sold the debt. If they have, you MUST be informed in writingIf it's S B then just send them the S.B. letter, which I'm sure someone will point you toStatute barred means they can't take any formal enforcement action, but they're hoping you don't know that

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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SB is if a period of six years (five in Scotland) have passed where you have made no payment or written admission to the debt.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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If they don't provide evidence that it isn't SB'd, and they chase you further, complain to TS and the OFT :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

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If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

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