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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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gurmi v link on student loan


Gurmi
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because no one has posted on it for the last 4822 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

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Thanks

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Hi im new to this site but i am having the exact same problem with LINK. So i will try and send the letter and see what happens. But i made the mistake of ringing them first and they were horrilble on the phone and said i had to pay in full or else!!!!

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Hi im new to this site but i am having the exact same problem with LINK. So i will try and send the letter and see what happens. But i made the mistake of ringing them first and they were horrilble on the phone and said i had to pay in full or else!!!!

 

give us more info and i'll start you your own thread then

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi yeah,

 

Link financial sent a letter saying i had to pay the outsatnding balance for a 1997 student loan in full.

 

I did have as student loan but i defered it but student loans said i didnt and i never got back to me.

 

i had a student loan in 98/99 which student loans still have and i have to pay them money monthly.

 

I rang student loans and they said they gave the 1997 loan to thesis who never ever wrote to me

 

now link want the money.

 

I rang them and expalined i had no idea that i owed thesis any money as there is no correspondence what so ever from them.

 

They said too bad and I have to pay it in full or they will send someone around.

 

I said im not happy with their service its disgusting and i will be sending in a letter to complain and i dont like the fact they are hassing a single parent.

 

Then i read your posts and realised the debt is def over 6 years and i sent them a recorded delivery letter.

 

So do i wait now?

Edited by dx100uk
clarity
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you had two separate student loans, one in 98, the other in 97

 

If that's the case and you are being chased for the 1997 loan then, as thats more than 6 years old, it's statute barred.

 

Also if you have paid money towards a debt, or acknowledged a debt in writing within the last 6 years, then that debt will not be statute barred either.

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I had a student loan 97,98,99.

They are saying i owe them money for 1997 loan. which student loans gave to thesis in 1998 who have never ever writen or asked for any money until now. I didnt even know theis had the loan until i rang student loans now as i always deferred the loans.

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I believe if they have purchased the debt, if it went to court they have 6 months from the date of purchasing the debt to ask the court for the right to enforce it. They would need to prove this right, especially given the circumstances, before I'd pay a penny.

 

Who actually pays out the loan in the first place, is it the government or do they tender it out to some other financial organisation?

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  • 1 month later...

Hi ive just heard from link today since sending them the letter. A very rude lady rang my number never said where she was from at first then said "im calling from Link how are you going to pay your debt" I said I dont want to speak to you, i sent a recorded mail letter to yourselves. She said "we have got it". Then said something about 5 days I hung up on her. Its taken this long for them to respond and they have not even replyed to my letter.

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Until they reply to your letter in writing you have nothing to say to them. If they do write to you then remove personal details and post it up here for us to look at.

 

To me it sounds as though they were relying on you not knowing about debts becoming Statute Barred and now they realise they've bought a lemon! Let's wait and see what happens.

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hehe next time wind her up

 

its statute barred love and put the phone down.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Sorry for not introducing myself - Hi - it was a relief to know I am not the only one in the world.

I got a call last week and it was a shock from Link Financial stating they had my 97 loan demanding immediate payment.

I haven't got it to give or I would have.

On looking further into it I only acknowledged this loan after 6 years. I then went on to pay small amounts. It seems this is statute barred.

 

Don't mean to steal a thread but when I try to start a new post to help me - I can't seem to find the proper template to send

Can anyone help?

 

thanks

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if there is a clear 6yrs where you paid nowt

 

then they found a cash cow that now knows different!!

 

nothing can unbar a debt.not even a judge.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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