Halifax OD /Moorcroft and now assigned to Link Financial

[momon121]

My friend has asked once the addresses has been updated with the correct debt owners should any future payments Link cease? 

[dx100uk]

i would not be paying any DCA on any OD debts.

as for the other debts are there any and is he paying them?

i suspect not and simply ran away from his debts and never updated anyone of the move.

 

dx

 

 

 

[AndyOrch]

Check the credit files first and see if it is still showing......

[momon121]

Yes he has other debts that he is paying. The debt in question he informs me he been  regularly paying Via direct debit  with the exception of couple months missed payment. 
 

Strangely one would assume that he ran away but far from it - the first ever call from Moorcroft made him petrified and complied however with no notice of assigned or any formal agreement in place It has left some doubts the way in which his debts is managed. 

[dx100uk]

getting a bit tiresome these 3rd hand info posts

can't he come up here himself?

 

he should not be blindly paying anyone for historic debts especially any DCA's.

they are totally toothless.

 

might be better to list all his debts

 

what type of credit was it

who was the original creditor

when he opened it

who he pays now

defaulted date from credit file.

owed sum from credit file

 

 

[momon121]

Apologies for tiring you out - my friend has writing difficulties  and is unfortunately is unable to express his concerns personally. 
 

I will get all the above information all at once rather than drib and drabs. 
 

please kindly accept our apologies

[dx100uk]

well now we have an explanation..the issues here are better understood...

keep up the good work, your friend must be proud of you...

 

dx

 

[momon121]

Thank you so much we are in the process of trying to access his credit file and see what information it holds 

 

 

[momon121]

Dear friend 

 

after having a lengthy discussion with my friend - he later contacted his ex to see if there has been any letters sent to him regarding is OD debt.

 

We have no some letter hope this helps

 

Ok thank you so much 

 

0331ED1D-E9C1-43C9-8F1C-A861014582C0-merged.pdf

[dx100uk]

looks like he made some form of attempt via a scamming reclaim company to reclaim package account fees in 2014 after the A/C was upgraded 2yrs earlier to one with various insurances inc in a monthly fee after probably being told in branch he can't have an OD without the package by a staff member who pocketed the commission fee of about £400 for selling this account to him.

the org account was opened 2010.

 

i would suggest there remains some worth in this reclaim and that was the route cause of the OD balance and subsequent fees and interest, but not all of the £4k balance but halifax shipped it out as it remained an issue they knew about.

 

pers i'd simply stop paying link.

but lets see this credit file.

 

dx

 

 

[momon121]

this is the information we accessed via Credit Karma 

 

scamming reclaim for package account fees! Wow this is getting interesting 

C04BD1D7-0429-473F-8FD9-17BC96EC4D44-converted.pdf

[dx100uk]

21 hours ago, dx100uk said:

might be better to list all his debts

 

what type of credit was it

who was the original creditor

when he opened it

who he pays now

defaulted date from credit file.

owed sum from credit file

 

 

 

[momon121]

Credit Karma doesn’t all these details ? 
 

we tried with Experian but due to lack of history we couldn’t proceed ? 

[dx100uk]

well lets put it another way.

 

what other companies is he regularly paying for historic debts that dont even appear on his credit file???

 

dx

[momon121]

I’ve just spoken to him, other than an O2 contract and paying Creation Consumer Finances which started 10/12/16 with outstanding balance of £168 he has no other further debt. 

 

[dx100uk]

who is he paying the o2 contract debt too and is it still his current provider or and old debt sold to a DCA?

and the same for CCF, whats the debt for and who is he paying?

and neither of these show on his credit file?

 

[momon121]

The O2 is a mobile contract and he pays that monthly and same with CCF. None of the two are in breach 

 

These debt are not sold to any DCA and it does appear on the credit file and there is no other debt beside the 3 Link, O2 and CCF

[dx100uk]

3 link?

[momon121]

Sorry that’s typo

 

[dx100uk]

IMHO stop paying link now.

 

he'll get a forest through his door threatening everything including murdering his grandma budgie.

but he is safe to ignore everything until or unless he gets a letter of claim from their favourite wolves Kearns solicitors.

 

then comeback here.

 

but don't forget to send a letter informing them of his new address and again if he moves.

 

dx

 

 

dx

 

[momon121]

Lol I like that phrase ‘forest’

 

so we write to Link to update his address? Should the letter be straight forward. 
 

by the way my friend says thank you so much as you have given him hope 

[dx100uk]

looking at the statements closer, haliprats were charging him £97PCM in fees going back 30 mths = £2910

prior to that we know he has had this A/C + its package fee of £10PCM since 2012 

so i make that 6.5yrs X £10 = £780

and i bet there were OD fees in that 1st 6.5yrs too

hence the balance is all unlawful reclaimable penalty charges.

hence why haliprats dropped it like a hot brick.

 

safe to say..well sad to confirm...Link have been cash cowing him from day one, and to a certain extent Haliprats too. plink wont go near a court room door.

 

write to link the following (yes white lies too)

 

dear Plink.

 

your ref number xxxxxx

ex Halifax current account OD ref xxxx

 

i have recently taken possession of numerous letters from yourselves, Moorcroft and Halifax dating back to 2017 regarding the above alleged debt, the contents of which are duly noted.

 

Since 2017 and a subsequent divorce , my address changed, so please carefully note my correct address contained upon this letter.

 

It has also come to my attention that you must now be the legal owner of this debt as you are issuing statements and have been accepting my payments, of which neither you Moorcroft nor Halifax notified me of.

 

whilst the account was still with Halifax i was quite happy to pay a small sum with regard to the account, even though it was subject to a long running dispute. 

 

As i now understand things from seeking financial advice, Halifax must have sold you the debt sometime last year for a much reduced sum from what you claim is actually outstanding.

 

The outstanding balance you purchased IS SOLELY made of £4000 worth of unlawful penalty charges ....(£87PCM dating back for 30mts & £10PCm dating back to 2012+ more )  which was the basis of my dispute with halifax.

 

As the debt has now been sold without resolution, i shall now be ceasing all payments.

 

should you wish to contest this action, i am more than happy to see you in court .

 

 

yours

 

disgruntled debtor

 

 

 

 

 

[momon121]

Thank you so much I’ll write that and send it off and keep you good folks updated 

[dx100uk]

shame he got conned into paying moorcroft..

 

so the debt has now been sold to Link, biggest fleecers out there!!

 

did he get a notice of assignment regarding the sale to Link?

 

tell him to stay off the phone and NEVER talk about debt again on the phone

 

a DCa is NOT A BAILIFF

and has 

ZERO legal powers on ANY DEBT , no matter what it's type.

 

can he not come here himself?

 

get him to send halifax an SAR too.

 

when did he open this account please?

 

 

[dx100uk]

3 threads merged on the same debt

 

please keep to ONE THREAD

 

dx