Link & old Joint GE Money Holiday Ownership loan

[Horsen]

Hi folks.

Just had a very confusing phone call from Link.

 

When I refused to answer any security questions,

saying that I didn't know if they were genuine

 

they said "O.K. we understand and we will write to you."

 

No messing about just a really nice conversation and an " enjoy the rest of your evening".

 

Are they trying to mess with my head? .

 

If so it doesn't matter due to my head already being messed up.

[dx100uk]

they already know you are on to them and they don't want to risk

getting into further trouble.

 

did you et the statements from plink?

 

dx

[Horsen]

Hi folks.

Just a quick update and need for some reassurance.

 

Still only paying £1 but

 

now Link state we have broken the agreement and want to know why,

plus usual demand for I & E forms to be submitted and a list of their options.

 

Despite sending a letter saying not to phone us they have done so several times.

 

I have refused to answer security questions and they say they have not received letters.

 

I am worried that their next stage might be attempted bankruptcy.

 

With our other debts plus a suspended eviction notice over our heads could this be a possibility?

 

Sorry if I am rambling but my head is spinning with all the "What ifs" on this.

 

I like reading the other threads to see all the help and advice which is out there and gladly given and which I have used.

[dx100uk]

about time you got reclaiming.

 

there PPI & PENALTY charges to reclaim.

 

did you ever send PLINK an sar?

 

this debt smells

 

 

dx

[Horsen]

Hi DX.

 

Left the O/H to sort out the PPI as they are first named on policy.

 

Have literally just been going through their paperwork and reading their website,

mainly, reference the interest that they refused to stop (plus GE before them).

 

I realised I haven't SARed them and have found an old postal order from when I was firing them out last year.

 

Don't know if I can still send it as it is dated Jan last year.

 

Will be sending the SAR within the next couple of days.

 

Hoping to head off the bad guys at the pass ahead.

 

Have read my credit report and the default date for this debt will soon be up.

 

Is that likely to stir them into action?

[dx100uk]

PO only last 6mts

 

dx

[Horsen]

Received the SAR info and had a quick look through it.

 

Don't understand some of it but a couple of interesting points are on it.

 

They have added a £10 admin charge, but, on the info supplied with the SAR is a note saying payment received!!!!!

 

There is also a note saying they received notification that all future communications to be done by post.

 

Guess what?

Whilst typing the letter about the admin charge They phoned.

 

I refused any alleged security questions and ended up in a verbal merry go round.

 

link: How do i know who I am talking too?

Me: You have been told "In writing only"

Link: OK thats no problem.

Me: How do you know that if you don't know who I am?

 

How do I now complain to the appropriate bodies, as I can't see any letters in the library?

 

Thanks in advance.

[Horsen]

Just been on my credit report and now can't find this account. It was the 6th anniversary of its default recently but wouldn't it still show? It was showing 2 months ago as defaulted.

[dx100uk]

no!

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

[Horsen]

already done the CCA plus got a copy with the SAR info. No NOA included though or a couple of other docs.

[dx100uk]

just pointing out the issue of the vanishing from your cra file

 

dx

[dx100uk]

so you have an sar from link now too

 

dx

[Horsen]

Yes, very recently arrived.

 

With the latest phone call coming so soon after its arrival, and knowing the default would soon be up,

 

that was when I checked my credit report.

 

I thought it would just show payments received without a default.

 

Having read the CR more closely it does say that the account is taken off.

 

Will be taking a few days to try and make sense of the SAR info sent.

[dx100uk]

ok scream if you need help

[Horsen]

Have had a chance to read through the SAR pack but first who and how do I complain about still receiving phone calls when they have been told not to.

 

They even admit receiving the letter in the SAR bundle.

 

With all the info in the SAR is there a particular type of solicitor or advisor,

 

I should be looking to see, to fully understand what the info actually is?

[dx100uk]

scan the plink sar up please.

 

the telephone harassment letter indicate whom to complain too.

 

I also wonder if the new FCA Conc rules will help here too.

 

have you stopped paying yet?

 

dx

[Horsen]

Just a quick update as to were we are.

 

 

Wrote to link asking several questions including why were we still getting calls from them

5 months after writing to them and more importantly why no NOA enclosed.

 

Had a reply back from Link saying "Sorry" for the phone calls,

blaming them on our number not being removed.

 

 

Also stated that they could not provide a NOA as their system was updated a few years ago

and it was no longer on their system and we would have to get back in touch with original lender for the information.

 

 

According to the info on the SAR from the original lender they did not send one, just default and termination notices.

 

Still only paying £1 a month but no more phone calls or letters asking for I & E.

 

 

Should I be worried about Link trying anything?

 

 

Sorry for the ongoing saga but I don't want to be blindsided.

 

 

Thanks for all the help over "How long?"

P.S. The SAR runs to over 40 pages.

[dx100uk]

why are you still paying link

 

 

in post 7 you were advised to cease payments

why are you still paying these fleecers?

[Horsen]

Hi dx.

Things are never as simple as that.

 

 

This is a joint debt and

 

 

both myself and the OH have other debts which lead to massive fear factors.

 

 

 

 

You could call it cowardice but without knowing what the DCA actually have,

 

 

and what that enables them to do,

 

 

it was simpler to pay something.

 

 

As you know debt causes a lot of tension on the home front

 

 

and we didn't want to go to Relate!!

 

 

We have stopped paying a couple of other DCA.s following advice from this site

 

 

 

 

so things are slowly getting sorted out.

[dx100uk]

longer you pay

longer its around you neck regarding SB date.

 

if you are going to be scared of DCA's all your life

no wonder you have money issues

 

that's exactly what they want,

[theoldrouge]

post up the contents of the sar, together with the cca reply

 

lets have everything in one place to have a look at

 

as far as I remember this ag was unen anyway

 

dx has given you the correct response above

[Horsen]

Hi dx.

Just for the record I am not scared of DCAs after being on this site. In fact since being on it our payments to them have dropped from nearly £250 a month to less than £30. As I have said previously some of these debts are joint and the OH suffers bad panic attacks, some of which, are brought on when I try dealing with them. Also thanks to this site we were able to stop the house being repossessed, when the OH actually believed the advice given, the mortgage being in their name only. I am happy to deal with the DCAs but want to do it from a position of strength and not going in only half prepared. I understand that most, if not all, the people helping me on this site have been in my situation but I feel that saying "No wonder I have money issues" isn't helping to relieve the stress we going through.

Thanks everyone for your help. Goodbye.

[dx100uk]

stand up to them.

 

 

all you are doing by continuing to pay a token sum

when they have no legal right to any money is prolonging the pain.

 

 

at some point you will have to do it

 

 

why wait?

 

 

the quicker you do so

the quicker it will be over

 

 

dx