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    • So with a long working history, which she can evidence, it should not be a problem. Still have to go though HRT process for any benefit application, if they have been out of the UK for more than 6 weeks. It won't be a smooth process though. Suggest they try to get advice via Embassy, before they start any journey.
    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
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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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[email protected] (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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