Jump to content


  • Tweets

  • Posts

    • See what the latest data on school suspensions tells us about the UK education system and early intervention.View the full article
    • The world's largest economy grew less than expected but rising inflation may delay a rate cut.View the full article
    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Link Financial giving me grief


MrFixer
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3840 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello, my 1st post on here.

 

Some time ago I was contacted by Link Financial regarding "debts" they had been given by MBNA in my name.

 

This was regarding a couple of credit cards I'd had & after some rather unpleasant dealings,

including constant phone calls & even one made to my place of work I relented & entered into a payment schedule.

 

A couple of years or so later I was advised by a friend that I could go with the CCA route so I did.

 

All I have received in reply to my requests have been photocopies of application forms & what I'm told are "reconstituted" agreements

so I told them to go away & they have done 'til now.

 

I have now received letters threatening doorstep collection & court action.

 

I've seen this all before of course but I've been made aware that things have changed

whereas Link not providing the original credit agreement is now not the defence it used to be.

 

Will I now have to do business with these people?

 

Thanks.

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

what does your cra file say about these debts

 

see below

 

NEVER EVER trust what link tell you EVER!!

 

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... 

Link to post
Share on other sites

ok so default years ago and dropped off

 

when did you last pay link

 

I bet they spoofed you into paying any

 

could there have been a period of 6yrs before link spoofed you into paying

could they be statute barred?

 

tell us more info.

 

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... 

Link to post
Share on other sites

I last paid Link just under 3 years ago.

 

We'd had a bit of a standoff & they'd kept sending me "statements" showing balance remaining so I began leaving their letters unopened.

 

When I did get round to looking at what they'd sent me I saw that they'd sent a LBA which was weeks old so

 

I panicked & rang them to make a payment to stop court action.

 

Yes I was naive in doing so & once I started thinking straight I made no more payments and told them to get stuffed.

 

They responded by saying that by making payments to these accounts I had acknowledged the debt owing to them and so I had no defence.

 

I told them I'd reply after taking advice & I've heard nothing 'til now.

 

no I'm afraid the accounts aren't statute barred so I guess I need to know if I'm still in a position to defend or have the goalposts moved?

 

Am I seen to have "confessed" by making payments?

 

Does the no credit agreement argument still stand?

 

I'm told things have changed on that one?

Link to post
Share on other sites

Is Link still chasing this?

Edited by BRIGADIER2JCS

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Send them this.

 

The Compliance Manager

Link Financial.

 

Date.............;

 

ref: use theirs.

 

Sir/Madam,

 

I refer to your letter dated xx.xx.xxxx. in which Link threatens 'doorstep collection' please take note I do not discuss any financial matters with strangers who turn up at my home, nor do I wish to make any appointments for such visits.

 

ALL contact MUST be in writing only.

 

Any person representing Link will be 'invited' to leave my premises failure to do so will result in their removal.

 

If Link had a cast iron case they would have taken court action instead of threatening visits.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

yea I see tyou fell for the threats typical links,

 

matters not really if you've 'paid' them as such.

 

link are very well know for cash cowing people

 

that's how this comes about:

 

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

 

how about phoning MBNA and asking them when you last payments was to them

 

and then match that with when you started paying link

 

how old are these card?

 

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... 

Link to post
Share on other sites

BRIGADIER2JCS Thanks for the letter. I'll get that sent to Link pronto

dx100uk I've checked the application form photocopies that Link sent me & one card started in 1996 & the other in 1998.

As to the time elapsed between my last payments to MBNA & my 1st to Link, that'll take some investigating on my part which I'll do if that's important.

Link to post
Share on other sites

yes very important

 

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... 

Link to post
Share on other sites

Thanks to you both.

 

By coincidence I'm working on some SAR's for the purpose of PPI claims & I'll be sending one to MBNA

so I assume the payment details to them will be included in their response.

 

Unfortunately I can't find the details of the 1st payment to Link so maybe I should SAR them too.

Link to post
Share on other sites

no not worth it.

 

cold there be 6yrs between the 2?

 

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... 

Link to post
Share on other sites

pers I think i'd be sending link a letter with help from brig.

 

having studied my pers records and the information received from an SAR to MBNA

 

I now discover that you had no right to demand

or collect payment from me regarding the above cards

 

as the debts were already statute barred by the time you spoofed me into paying you.

 

I now demand all the payments back I have made to you on both of these cards.

 

you have XXX days to comply with my demand

 

failing that I will begin my process of litigation to force you to comply.

 

............

 

something like that

 

if they then claim they were not SB'd they'll provide the data

 

its for THEM to prove the debt is NOT SB'D

 

not for you to prove it IS.

 

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... 

Link to post
Share on other sites

If you want a letter drafted please let me know.

 

Very kind of you but I jumped the gun & sent a letter today.

I just kind merged the letter you provided with the one from dx.

 

I'm sure I'll be needing further help from you both though

 

it'd be nice if that was to be the end of the matter but this lot seem very stubborn & the only DCA still bothering me.

 

They just keep insisting I still owe them money.

 

It'd be great to prove them wrong.

Link to post
Share on other sites

Very kind of you but I jumped the gun & sent a letter today. I just kind merged the letter you provided with the one from dx.

I'm sure I'll be needing further help from you both though it'd be nice if that was to be the end of the matter but this lot seem very stubborn & the only DCA still bothering me.

They just keep insisting I still owe them money. It'd be great to prove them wrong.

 

Good luck please keep us informed on the progress.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Just a query related to my dealings with Link. I did say I was to SAR MBNA regarding PPI charges.

If it was determined that MBNA does indeed owe me a refund would they offset it against the money I owed them even though they sold the debt to Link?

Link to post
Share on other sites

no they cant on a sold debt

 

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... 

Link to post
Share on other sites

  • 1 month later...

Ok so it looks as if Link have been doing some digging.

 

I have today received letters regarding both accounts showing that the payment lapse between my last MBNA payment & my 1st payment to Link was only 3 years.

 

They now expect me to contact them to arrange payment to these accounts.

Link to post
Share on other sites

as we've said before

never ever trust what a dca sends you esp Plink.

 

now have you got the MBNASAR back yet?

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...