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Link/Kearns Letter of Claim - HBOS Credit Card


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Hi

 

I would appreciate some help with the following.

 

I received a Letter of Claim from Kearns Solicitors on behalf of Link Financial Outsourcing Ltd this morning, the debt is an old bank of scotland card, opened around 2014.

 

It states i have 30 days to respond or legal action will commence.

 

Any advice appreciated, the debt is close to £10k and i have no way of paying. Im on low income and have no assets.

 

Ive never made payments to it once it defaulted 4 years ago.

 

I was also made bankrupt in 2004 i thought i wont get into this mess again.

 

In total i have debts around £12k plus interest.

 

DRO's is an option, i just cant afford it with 3 young kids.

 

 

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hit letter of claim

 

follow post 2

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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provide what?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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how will you know they are even real not a copy and paste of a blank one with your name typed in from the dca not the original creditor?  - you scan them up and well check'em

 

i suggest you get reading a good few threads in the debt self help forum

or use our enhanced google searchbox 

  • I agree 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

just put the default thats there already. you dont have any additional reason, you only came here today...so no history.

 

dont rush, run the 30days close

 

never ever forget 

a DCA IS NOT A BAILIFF

and have 

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

 

Link are one of the worst scammers and liars out there

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yes and 100's of dca discontinued or won court claims won by members.

 

Dx

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Just googled Kearns solicitors, they are part of Link Financial, so they save money on legal cost.

 

My CC debt it around £9200 plus 8% interest for 4 years. 

 

How much court fees will that be? 

 

Make them get ccj and then file for DRO which cost £90. I had to pay around £500 to go bankrupt 14 years ago.

 

Well CCA first..

 

Im already struggling and they decide to threathen me with legal action just before christmas. Really annoyed..

Edited by cenk102
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you are racing ahead.

court IF IFIF could be months way IF IF IF at ALL>

 

simply follow post 2 letter of claim thread but run the 30 days first.

 

yes we know all about link..

 

oh and stop wasting time on google 

use OUR enhanced google searchbox here on our pages

its just searches CAG threads

 

we dont lie!!

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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 i know i own this debt, its £9200, i thought after it got defaulted it will eventually statuary disbar.

 

Its been 4 years since default and , i buried my head in the sand.

 

The letter says in 30 days they will take legal action if i dont come to an arrangement with them.

 

Already struggling with energy bills/rent etc and christmas is so close to. Gonna be tough on the kids.

 

Just been to post office, purchased uncrossed PO and will write letter and send on monday for CCA.

 

Thanks for your help

 

With regards to ticking box d to send to kearns, what can i write in their. Can i write i dispute this debt cos i dont recall having debt with link financial.

 

Another thing i have searched the forum, should i allow them to take legal action against me and then request these files if they delay in getting cca then will the case be struck out?

 

 

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throw the morality card away , you do not owe this debt just because you spent the money!! utter rubbish!!

 

ask yourself this WHY did HBOS sell the debt on for <10p=£1 rather than take you to court themselves and crush you????

 

when you took this card out were there any defaults, late payments or CCJ's on your file?

 

as for the letter of claim reply you put the debt purchaser has yet to provide any or all of the required documentation. (as i said the default it suggests thats already there)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes we know that because the debts been sold on.

 

i asked WHEN you took this card out what was your credit file like? should they even have allowed the card . irresponsible lending?

 

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Funny you should say that, initially my credit limit was low, overtime they increased it, i had some large gambling transactions on statements and they still increased limits a few times after that.

 

Thankfully i stopped all gambling...

 

I think credit limit was 2k and then it went to 9k within 4 years..

 

 

Edited by cenk102
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  • dx100uk changed the title to Link/Kearns Letter of Claim - HBOS Credit Card

lets try for the third time...

 

do you know how your credit file looked when you applied for this card in 2014?

did you have outstanding debts in 2014?

any defaults?

later payment markers?

CCJ'S

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Eh? Who do you think?

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no they dont.

 

whats the point of an sar ? for an IRL complaint?

 

its your credit file at the time that would be the answer to if you have a case 

 

now i think its better you go read other threads now here

you've not read any unless its been while you've not logged in.

 

we are self help predominantly and you are very green.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Which address do you send cca to, they have address in london and wales? 

 

The Peak
2nd Floor, 5 Wilton Road
London
SW1V 1AN

 

Brecon House
3 Caerphilly Business Park
Caerphilly
CF83 3GQ

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or staple it to the LOC reply to kearns.

 

either will do.

if you read other link letter of claim threads this has been answered numerous times

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Sent out the cca today to link, hoping to get it back in 14 working days then will respond to letter of claim as i will have some time.

BOS only sold debt 11 months ago so im expecting cca to come in.

Im leaning towards defending this case in court worse case, if i lose it i get ccj. Im on low income and have no intention of getting mortgage or anything on credit. Im hoping the judge wont make me pay more than fiver a month.

In total with benefits i only earn around £20k.

Stuff the dca, i went through bankruptcy this cant be hard.

I messed up but my family life is way better now.

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