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charlie 1102

Link Financial Outsourcing & MBNA 'debt'

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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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Dealt with these idiots a few years back. I wrote to them and told them to ensure all correspondence was in writing and NOT phone.

 

I'm sure someone with more experience on bankruptcy etc - but have you sent the request to see your docs from them? CCA? SAR?

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mail@linkfinancial.co.uk (Make a new gmail or hotmail address first before emailing them and DON'T use your personal email address - they will hassle you on it)

 

Link Financial Outsourcing, PO Box 30095, London, SE1 7WU

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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..

 

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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..

 

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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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Have you had annual statements on this account.?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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..

 

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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..

 

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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..

 

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