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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Student Loans Company Question


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Hi, I am a new member of these forums, but have been using them as a guest for a long time. After watching the 'how to post' video short, here is my question.

 

My Question today concerns Link Financial Outsourcing, AKA Thesis Servicing. They took over where the Student Loans Company left off some time ago.

 

My original loan from them was in 1994 when I was at Portsmouth university.

when I left, I filled out a 'referral' form because I did not not earn enough to reach their 'minimum earnings for repayment' limit.

That was the last that I heard from them until last year (August 26th).

They got my address from my parents and started claiming that I repay the loan (now £3026.46 with interest)

 

I conducted some research here and on other forums and sent them a letter

claiming that it was my belief that the alleged loan was statute barred under the Limitation Act 1980 Section 5:

"an action founded on simple contract shall not be brought after the expiration of six
years from the date on which the cause of action accrued".

I heard nothing, and so I emailed them on November 11th 2012 with a copy of my letter. They responded on the 13th November with the following:

"Further to your email we are writing to advise that your letter dated

the 30th October 2012 has been received and your claim that your account

is statute barred under the Limitation Act 1980 is being investigated.

We are currently waiting for some information from the Student Loans Company
and on receipt of this information we will write to you with our response"

Again, I heard nothing from them until this morning, whereupon I received a 'Notice of Sums in Arrears'.

As you can imagine, I was amazed.

I telephoned the company, admitting no liability of the debt, and using phrases such as 'the alleged debt'

and was told that a 'CCJ was issued before the 6 years had expired from the original date'

and therefore the account was unable to be listed as statute barred.

They claim to have sent me the 'legal documents' in the post back in November, a letter that I have never received,

and have told me that they will be pursuing the alleged debt.

 

After a check at the Trust Online, I can see that there are no records of CCJ's for me,

which means to me that they either don't exist or have expired (6 years limitation).

There is also nothing listed on my credit report, obtained from Experian

 

What can I do now to get this company off my back?

As a sufferer of Acute Unipolar Disorder (Clinical Depression) their communications are causing me a lot of mental anguish and stress.

 

Many thanks , in advance, for your assistance and advice,

Martin

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Morning Martin.

 

you failed to absorb the ultimate piece of advice when dealing with LINK.

 

NEVER EVER PHONE A DCA

 

they are NOT BAILIFFS

they have NO SUCH LEGAL POWERS.

 

LINK will lie & tell you ANYTHING on the phone

to spoof you into paying.

 

i VERY much doubt a CCJ would EVER have been issue for a pre 1997 loan.

 

i've moved your thread to the SLC forum

 

there are loads of like threads to read here.

 

IMHO i would now ignore link

 

this is where your money and others have/will go

if you get spoofed into paying them:

 

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

 

dx

  • Confused 1

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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