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Link Financial Outsourcing & MBNA 'debt'


charlie 1102
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Hi

I hope somebody can help me.

 

I have a debt of c £2,700 which I presume Link bought from MBNA.

 

I have been paying £15 per month for over 10 years and they have now all of a sudden started telephoning me.

 

I dont know how they have my number as it is ex directory and in a different name to the debt.

 

I no longer work and am disabled and really cannot afford the £15 but keep paying just to try to pay the debt off.

 

I owe over £30k in total as I had to give up work due to ill health and I have two very small children also.

 

I have MS and this is making me ill with worry.

 

Please can somebody help and give me some advice.

 

I have sent the letter asking them to confirm that they own the debt but I am now frightened to answer the phone in case its them.

Help help help please.

Thank you

Charlie

 

Do you think I would be better declaring bankruptcy?

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Hi

Yes I sent that letter straight away but at the moment their mail goes to my parent's address they haven't got my new address but I cant understand how they managed to find my new phone number. I have changed name and address since the debt started (marriage).

I am paying them more than I should be when I work out with National Debtline my ins and outs and money for creditors

Can I just ignore them and keep paying the £15 and if I do will they go away?

Thanks

Charlie

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Problem is all applications you make have address and phone number on them - all reported back to CRA's - all available if DCA's go digging around. And they do.

 

You say you PRESUME Link bought from MBNA? Have you got evidence? Have you sent SAR - what did it say?

 

Don't panic - debt isn't a crime. These idiots prey on frightening people.

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to me knowing link you are being cash cowed here

 

prob owe nothing.

 

have you ever sent them a CCA request?

 

as for ALL you debts can you lst them please

 

and who you are paying please

 

also get a copy of your cra file

 

see below.

 

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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Hi

Sent CCA request last week.

 

As well as Link I owe

 

Wescot/MBNA £11100,

Wescot/Sainsburys £11,000 ish,

MINT £8,700.

 

I have just closed my Nat west account as Mint were looking at all trEbay or Amazon and telling me I was incompetent with money!

I buy the children second hand clothes on ebay and use Amazon when the children are sent vouchers. :(

Thanks for your help.

Charlie

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get that cra file done please

 

how long have you been paying these other debts too?

 

i take you got spoofed by threat-o-grams

then statred paying them all?

 

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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Hi

I've been paying the Link/Wescot MBNA for over 10 years and have probably been paying the other two for 4 years.

 

I was keeping up the repayments on them (loan and credit card) until I found out I was pregnant with my second child

and had to give up work for maternity leave,

 

I telephoned them both and they reduced the payments for me but my MS got worse and I couldnt go back to work hence here I am in this situation.

 

I do have a car but I need it to run my children to school and the childminder as I am unable to walk very far.

Charlie

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sorry why are you mentioning your car?

 

as for the debts

 

get a CCA request off to everyone you are being made to pay.

 

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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Hi

I'm mentioning the car because its the only asset that I have. I live in rented accomodation and have no savings they can take off me but I do own a car and I really need it and am worried they will send somebody to sieze it to repay them. :(

Thanks

Charlie

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Hi

I'm mentioning the car because its the only asset that I have. I live in rented accomodation and have no savings they can take off me but I do own a car and I really need it and am worried they will send somebody to sieze it to repay them. :(

Thanks

Charlie

 

right lets blow a few things out the water here.

 

LINK are a Debt Collection Agency.

 

NO DCA is a BAILIFF

 

and they DO NOT HAVE ANY SUCH LEGAL POWERS

 

whatever you've been told, most prob on the phone by these people

they would NEVER repeat in a letter as they KNOW its a LIE

 

link esp will lie, cheat, deceive, blag

or use ANY TACTIC to make you pay them...

 

wanna know WHERE the money you pay them goes..

.http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

 

as for your CAR

 

NO-ONE not even a BAILIFF can take you car for a civil debt

that it is not secured against.

 

you SERIOUSLY need to have a read around the forums here

and get wise.

 

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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Hi

Thank you so mu ch everyone for your help. I can get back to them fully armed now. I must say I did sleep better last night knowing someone wasnt going to come up and take my car. Do they need to get a CCJ ? against me for that to happen???

Thanks

Charlie

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as above

 

they can never take your car.

 

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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