Link financial - Halifax CC debt

[exeterbay]

Hi again,,

I seem to always be fighting DCA's i'm afraid, i got behind on my halifax credit card. tbh i'm not sure how it crept up to its limit of £3k.

 

i stopped paying the minimum amounts a year ago when the pandemic struck and have not paid since,

Back later last year i had a letter from Link Financial saying they now have the debt and asked me to contact them,

i didn't respond and then i received a couple more which i ignored.

 

i then started receiving emails instead of letters..

i replied to an email stating i couldn't pay much and wanted to set up a payment plan.

they replied saying i need to do an income and expenses form as my account had been passed to a solicitors for potential legal action,

i replied saying no i'm not doing an income form as things are unsettled financially at the moment,

i haven't heard back at all from them and this was Jan 4th.

 

• Should i keep emailing to show i am attempting contact even if they don't respond?
• should i take the threat of solicitors and legal action seriously - i don't want a CCJ!!
• shall i contact Halifax and try to arrange a payment plan with them?
• keep quiet and do nothing

Thanks!

Matty

[dx100uk]

you should NEVER use email when communicating with a fleecing DCA.

 

when did you take this card out?

[exeterbay]

ah right ok! whats so bad about email? should i write instead? didn't want to talk to them on the phone really.

took it out 1st september 2017

[dx100uk]

you should never ever be conversing to any DCA via phone..they LIE esp Link..one of the worst

they'll threaten everything including imprisoning your grans budgie or we'll send a bailiff tomorrow 

which is utter BS and never possible and if they put such in writing they'd get struck off.

 

but you should already know these things, you've been here +7yrs and have had enough dealings with them previously too.

phone and email gives them a free way to harass you,,,writing only put the phone down.

emails should be blocked and bounced.

 

as long as you have not moved since taking this card out and not informed halifax prior to the sale then yours is not the next move.

pers until or unless you get a letter of claim i'd sit on your hands