Link financial student loan CCJ

[dx100uk]

have or haven't?

 

dx

[supertramper]

Sorry haven't x

[dx100uk]

ignore them then

 

dx

[supertramper]

So I have sent link a letter and requested on the phone and in writing that they do not contact me by phone - and guess what they continue to harrass me with a phone call everyday!! They have said that they have not recieved it so therefore they have the right to keep calling me to discuss my debt - I am so annoyed what is wrong with these people - always the same woman and I tell her the same everytime.

[dx100uk]

well dont ans them then

 

you a under no legal obl to do so.

 

dx

[supertramper]

Hayley (clearly she is my new best friend as she refers to me by my first name) leaves me a daily message asking me to call her - I don't obviously - I answer if I am home as I have a number of family members that have a private number and just say I am not prepared to discuss anything with you via the phone, please contact me in writing.

[havinastella]

Get a whistle!

[Bazooka Boo]

You are keeping a log of their harassment aren't you?

 

And you are lodging a fresh complaint every day/each time they harass you?

 

If not then do so.

 

Take your diary of events down to your local Police station and lodge a formal complaint against them for the criminal offence of harassment.

Complain to the OFT&TS, and Ofcom, and finally your local MP.

 

If more people complained about the activities of these clowns, then it wouldn't continue.

[supertramper]

Update, my letter was posted over three weeks ago - I haven't had a phone call from my new bestie Hayley for over a fortnight and I have had no response from them - hoping that it did the trick and they are leaving me alone - unless they are preparing court papers!!

[supertramper]

Further update - still haven't had anything from link - no phone calls or letters!!!

[havinastella]

Further update - still haven't had anything from link - no phone calls or letters!!!

 

You'll start to miss them

[supertramper]

Obviously

[supertramper]

Ok so further update

 

- Link have sent me a letter saying they have investigated and apparantly they are well within their rights to chase this debt - there was a CCJ

 

I have checked with the court and they have told me that because of it being a student loan it might be wise for me to seek legal advice

- clearly I am not in a position where I can afford to do this.

 

I am so confused and am almost at the point when I start a payment plan with them as I am worried that I am liable for this debt.

 

Please help...

[dx100uk]

so makes no real odds there being a CCJ

 

unless LNK are named on it - they have no legal use of it.

 

let me go read the thread again

 

dx

[dx100uk]

yep just re - red the thread

 

no diff to the first letter you got

which is why you came here

 

so

 

Because they haven't taken enforcement their right to do so has expired under the Llimitations Act.

 

ignore

 

dx

[Bazooka Boo]

I'll second that! Ruddy chancers....

[supertramper]

In this letter it states

 

section 6 Transfer of rights and duties of agreement

specifically 6.1

 

we have the right to assign or transfer all or any rights and duties under this agreement to any person without your consent,

 

I take it that they mean the original agreement!

 

It states that the loan account owner is not slc but finance for higher education and that they have transferred the servicing rights.

 

In October 2008 FFHE transferred the rights to Thesis who have passed to Link, they say they are acting on behalf of them and not SLC?

 

They say they are not planning on going to court at this time though.

 

They cannot supply documentation but said I can get it from the court.

 

They say that enforcement is not the same as recovering the loan!

 

What shall I do next?

[dx100uk]

clever words to try and spoof you.

 

and ofcourse they are right

enforcement is not the same as recovery.

 

so

 

they know they are stuffed on the CCJ - its to all intent & purpose expires - even for the claimant, which they are NOT.

 

and

 

recovering the loan means in their works..

writing and begging for payment, when they know its then thus SB'ed

 

ignore them.

 

dx

 

PS thesis IS link in sheeps clothing.

[cerberusalert]

They say they are not planning on going to court at this time though.

 

They cannot supply documentation but said I can get it from the court.

 

They say that enforcement is not the same as recovering the loan!

 

It's not. Although it is unenforceable the debt still exists in practice and they are still entitled to ask nicely for payment periodically, however they cannot harass you nor can they take any further legal action and you are within your rights to refer them to the response given in the case of Arkell v. Pressdram (1971).

[supertramper]

So what you are all saying is just to ignore the letters,

 

they have told me that they have removed my number from my/their records but then state that they will be contacting me by phone if I stop contacting them by letter.

 

Will they ever stop contacting me?

 

I appreciate that I took out the debt but I genuinely forgot that it even existed and was gob smacked that they would even bother me about a loan taken out 18 years ago.

[dx100uk]

you owe nowt to no one.

 

ignore everything.

 

dx

[cerberusalert]

As above, ignore them.

 

When it finally dawns on them that they are hitting a brick wall they'll give up and concentrate on their next victim. They will not invest their time, money and energy trying to pursue an a/c they have no prospect of collecting.

[supertramper]

Thanks guys xx

[dx100uk]

with regard to your post on poinys thread

 

can you scan up your link letter too please

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[supertramper]

Hi DX - I will try and do that over the next few days but it is almost exactly word for word as pointys x