Mbna credit card/ link financial

[highlands]

I have today received a letter from link financial who were also being paid by compass.

The letter states they have previously written and attempted to call.

The letter asks that I contact them to set up a payment plan.

 

Previous letters only contained a balance statement and were probably getting sent 2 or 3 times a year.

I find it strange that this is happening now.  

 

I really don’t know whether to just try and set up payment plans again, it just feels like I will never be free of them!

 

I have received a letter from link financial requesting I contact them to arrange payment of a debt they purchased from mbna on 20/07/2007.

 

They were being paid through a debt management plan with Compass debt counsellors.

When compass went into administration I received an occasional statement but no request for payment until now.  

 

Not sure how to proceed as last week I was served court papers for another debt that was in the same debt management plan.

Again after hearing nothing for almost 5 years.

[dx100uk]

quite typical, it means the debt must be coming up toward 6yrs from last payment and statute barring approaches.

which in a way doesn't bade well for the other debt, being SB'd but then again it might

Link rarely pickup debtors are in scotland and its 5yrs SB...so issue chasers just before 6yrs..so chin up 

this could be useful!!

 

send Link A CCA request.

[BankFodder]

And just to add that in your CCA request, make sure that there is nothing you say which could be interpreted as being an admission or an acceptance of the alleged debt

[highlands]

Thanks guys. I was wondering why they both suddenly got in touch. Do I cca link yet?

[dx100uk]

Read my post again...

Normally not until paploc

In this instance it could be useful to your other claim

 

Yes cca

[highlands]

 

Righto. Will get it done tomorrow.

[highlands]

CCA request posted today. Anything else i should be doing while awaiting their reply?

[highlands]

Received a response from Link.

 

We write further to your request for account documentation under section 77/78 of the consumer credit act 1974.

Unfortunately, the original creditor has confirmed that they are currently unable to comply with your request within the 12 day initial time frame.

Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default.

We will contact you further upon receipt of an update from the original creditor.

Yours sincerely

etc.

Does this imply that they just need more time to look for it?

[dx100uk]

until or unless they find one - thats not a copy and paste from their filing cabinet !!! you are very safe to ignore them totally and stop payments.

 

two word always match with DCA's - Ruddy Fleecers!!

 

 

[highlands]

Thats good news, thanks for your swift response!

 

[London1971]

I' had  couple where they found the agreement after several months, I still never paid them anything and they went Statute Barred years ago now. 

[highlands]

I was unsure as to whether they only had that initial period to produce it in.

[dx100uk]

they must meet the 12+2 workings days else you can cease payment

until or unless they ever comply

you are safe to ignore them

 

unless ofcouse you get a letter of claim or a court claim

however MBNA agreements are always fraught with errors, very very few claims succeed.

 

dx

 

[highlands]

Thats also ggod to hear. The agreement was almost certainly pre 2000, I seem to remember reading somewhere that older agreements were unlikey to contain correct terms or something like that, but never sure what is pretty much urban myth and whats fact!

[dx100uk]

pre 2000 not a chance of them ever getting a compliant agreement , prob why mbna sold it on for peanuts.

 

use our search top right mbna