Link Financial chasing halifax debt

[sturose]

It seems they are all crawling out of the woodwork just lately, had a letter from Link Financial this morning with a very brief message.

 

Link Reference: xxxxxx

Account Number: xxxxxxxxx

Originator: Halifax PLC

Balance: £675.36

 

Dear Mr sturose

 

We have not written to you for some time as we have had to locate your address.

 

We would like you to contact us on [phone number] to confirm your intentions regarding the outstanding balance on your account.

 

Yours Sincerely

Now I haven't had a good laugh for a while but I managed to crack a smile at this one,

I haven't had an account with Halifax for over 20 years and even then I had absolutely no credit facilities with them whatsoever.

No credit card, no overdraft, no loans, nothing at all.

 

I remember the account being closed quite clearly because they wouldn't allow me to withdraw any money

after their cash machine had taken my card for no reason.

I stormed in and demanded that they close my account when they finally returned my card and vowed never to use them again!

 

So where have they got this outstanding balance from?

The letter has my full name including my full middle name so they must have found something.

 

Not that I am concerned because as stated, I have not dealt with Halifax for over 20 years.

 

Thoughts?

[SabreSheep]

First of all forget the phone

 

Maybe a simple letter recorded delivery

 

"I do not recognize any debt to you or your clients. and with respect the account you mention is statute barred. Please desist from any further communication"

[sturose]

I NEVER phone DCAs.

 

I might write to them or I might just ignore it.

They can't touch me anyway,

 

 

I could see if they're going to try getting heavy with me then do a bit of baiting.

 

 

Haven't had any fun with a DCA for a while now and I'm getting withdrawal symptoms!

[dx100uk]

LINK can be fun to bait.

 

 

dx

[Bazooka Boo]

LINK can be fun to bait.

 

I do hope so, they've got one of my debts, but after two letters pleading with me to get in touch, they went all quiet?

Might have to rattle their cage again?

[dx100uk]

an sar to link can be really funny

 

 

it makes them trawl through everything they have done in relation to that person.

 

 

keep one of the phone ops tied up for weeks I bet:whoo:

[ericsbrother]

I bet 2 dozen people with similar names got the same letter and probably their next door neighbours as well.

[Anonguy]

Not wishing to hijack the OP, I received the exact same letter last week (name and creditor changed obviously!).

 

 

I DID have a credit card with the company named in the letter but had heard nothing from anyone regarding this for over 10 years, and I'm 99.999% sure it's state barred as I haven't made a payment in that time.

 

 

Would I be best ignoring the letter, or should I send the SB letter or indeed CCA Link?

 

Thank you all in advance for any help you can provide.

 

AG

[dx100uk]

pers I'd always ignore a link phishing letter.

 

 

dx

[Anonguy]

Thanks dx; so you don't think there is any need to send SB or CCA letter, just wait and see what happens next?

[sturose]

Personally I wouldn't bother but thats just me.

 

I find it more fun to watch them tear their hair out trying to get me to contact them with their initial threats which then usually turn to begging and pleading (Please please please pay us something!) then you can have some fun with them. Only if you are certain that they cannot touch you for the debt.

 

My original post referred to a Halifax debt that I could not possibly have as I have never in my entire life had and form of credit facility with them, even the bank account I did have with them had no overdraft facility on it!

 

I hope they do try to get heavy with me.