link financial outsourcing and unknown debt

[mrs nathan fillion]

My husband and i have just recieved a letter each from link, no info on the original company.

 

 

Theres just the same amount, same reference, same dates on each letter.

 

 

We have absolutly no idea what this is for.

 

I googled them and have read some horror stories about them so would like to know

how to best proceed before contacting them in any way.

 

Thanks in advance

[citizenB]

Hi, I will try and find someone who can help with your query.. meanwhile I have sent you a private message on a different issue - would you please read and respond

[dx100uk]

pop off an get your credit file

that should tell you

[fkofilee]

pop off an get your credit file

that should tell you

 

Please do.

 

If you Google Clearscore and Noddle, then you will get 2 x free credit report accounts for life

Also in relation to the letter, ignore for now.

 

Finally Citb has sent you a PM about something more important. If you could please respond?

[mrs nathan fillion]

Can i get a credit score with no bank card in my name. I have no ID at all.

[dx100uk]

try clearscore

might work

if not you'll have to do the £2 mail jobbie.

 

 

.

citizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

.

This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

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Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

.

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

.

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

.

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

.

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

.

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

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Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

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Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

.

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

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Send with a £2 postal order.

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You can use Experians online free trial. just make sure you cancel before the trial runs out

.

Address

.

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

.

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

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*My full name*:

.

*My Maiden Name: *

.

*My Date of Birth*:

.

*My current Address*:

.

I have lived at the above address for XX years.

.

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

.

*This letter must not be regarded as granting your Company any Data Consent*.

.

Yours faithfully,

.

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

.

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

.

there is also

www.checkmyfile.com

.

....ends

.

[fkofilee]

Yes you can do it via a non online method.

However surely you must have an account in your own name somewhere? Even a credit card will do.

[mrs nathan fillion]

I might have one account in my maiden name but i have no idea if its active, i definatly dont have a card for it. We closed our joint account acouple of months ago because of an insane increase in charges. As i said i have no id so we just opened an account in my husbands name

[citizenB]

I would suggest obtaining a £2.00 postal copy then - get one from each of the 3 main CRAs.

 

I would have thought they were obliged to provide the name of the original company ?

[mrs nathan fillion]

Thats what i thought, otherwise how are you supposed to know if its genuine or not believe them and just ignore it. Also that we are getting chased seperatly for the same debt, you cant pay twice for the same thing

[dx100uk]

you can if its a joint account

 

 

I suggest this is an old joint bank account.

 

 

dx