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MBNA - Link Financial


Jeff2000
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what concerns me is the way he states that they are quick to get ccjs and then charging orders!

 

the fact is that if a defendant is complying with the terms of the ccj (regular monthly payments) the plaintiff has little or no chance of getting a charging order

 

there has been a lot of hype over charging orders recently and forced house sales but if you look carefully they are almost exclusively due to business (large) debts and defendants not complying with court judgements or hiding their assets and misleading the court as to their means to pay

 

i worry that some of these posts are all flannel with the subtle intention of trying to convince people that charging orders are the norm and easy to obtain

 

in addition if you have multiple unsecured debts charging order applications often fail if the court is shown that one unsecured creditor is trying to get an advantage over other unsecured creditors.

 

In short don't let talk of ccj's and charging orders worry you- if they are obtained serrupticoulsy or by devioius means they are easily set aside

 

(did i spell that right?)

 

 

 

 

Hi,

 

 

Yes, this reflects my views on the ability to obtain a charging order.

 

That is why it is essential that you defend any claim against you! If you have a CCJ, then you must keep up with payments. Keep a record of all your payments! (It's not unusual for companies like Link to refuse direct debit and standing order payments and then claim they have not received your cheque etc! A blatant attempt to obtain a charging order.)

 

I also think obtaining an attachment of earnings should be just as difficult for the same reasons!

 

 

Jeff.

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  • 2 months later...
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Hi,

 

 

I have now received a letter from the infamous Mr Higgins at Link.

 

Apparently I have one final chance of contacting them regarding my "account" else all hell will break loose!

 

Usual threats of adding interest, CCJ's and charging orders etc.

 

 

Oh yes, they've searched the land registry....blah, blah, blah....

 

TTFN

 

Jeff.

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Hi,

 

 

I have now received a letter from the infamous Mr Higgins at Link.

 

Apparently I have one final chance of contacting them regarding my "account" else all hell will break loose!

 

Usual threats of adding interest, CCJ's and charging orders etc.

 

 

Oh yes, they've searched the land registry....blah, blah, blah....

 

TTFN

 

Jeff.

Oh "snap" i had an identical letter from the loves yesterday in regard to my GE Capital/ASDA card account

 

Ring Mr Higgins or else

 

We will trash your credit file.....not a problem its f**ked anyway

 

We've searched the land registry, we know where you work etc etc

 

Must be bonus time coming up at Link !!!:grin:

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did either of u require a tissue?

 

its just it sounds more like a begging letter than anything else.

 

I am guessing they are both unenforcable?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Oh well Jeff u should by now know where to put that piece of tissue

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi,

 

I have now received what Link are describing as a statement of account.

 

It shows the assignment date.

 

The balance in Oct '08.

 

The balance as of about a week ago.

 

It is also numbered as statement number 001.

 

 

 

That's basically it.

 

 

Jeff.

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Oh what a helpful waste of tree. LOL

 

You know what to do Jeff.

 

For those who dont file the paperwork you get with the rest of your documents in DATE order. U can sub devide into letters, statements etc but u need to put it in date order.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 9 months later...

Hi all,

 

 

I have now received from Link a letter before action.

 

Basically they are saying that County Court action will be taken without further notice if I do not contact them regarding repayment within 14 days!

 

Is this worth replying to? Or shall I just let them get on with it?

 

 

Jeff.

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Hi,

 

Quick question.

 

Which CPR bit do I use when they (Link) state that they will proceed with a claim but have not actually done so yet?

 

Also, how many different addresses do we have for Link? (Both postal and email).

 

 

Cheers, Jeff.

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  • 2 weeks later...

you need CPR 18 and it best to post it by recorded or special delivery.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 months later...

Jeff wondered how you were getting on with this case?

 

Im back in court probably early 2011 after SJ hearing was adjourned allowing me to file a proper defence as wasnt able to do so intially as MBNA/Restons failed to comply with CPR18 or 31.16 requests for information until 2months after service of proceedings!!!!!!!!!!!

 

Also if your still around any chance i would be able to print out your multitude of applications etc (you could upload to photobucket or direct link pdf's) would be just more ammunition in my case - blanked out of course!

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Jeff wondered how you were getting on with this case?

 

Im back in court probably early 2011 after SJ hearing was adjourned allowing me to file a proper defence as wasnt able to do so intially as MBNA/Restons failed to comply with CPR18 or 31.16 requests for information until 2months after service of proceedings!!!!!!!!!!!

 

Also if your still around any chance i would be able to print out your multitude of applications etc (you could upload to photobucket or direct link pdf's) would be just more ammunition in my case - blanked out of course!

 

 

 

Hi Paul,

 

 

I'll PM you when I get a bit more time, if that's OK?

 

 

Regards, Jeff2000

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  • 4 weeks later...
Hi all,

 

 

I have now received from Link a letter before action.

 

Basically they are saying that County Court action will be taken without further notice if I do not contact them regarding repayment within 14 days!

 

Is this worth replying to? Or shall I just let them get on with it?

 

 

Jeff.

 

Hi Jeff

 

My OH got one of these today after a long silence from Link.

 

What stage are you at buddy, so that I know what to expect?

 

Many Thanks

 

Manc

It's all fun and games until someone loses an eye :D

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Hi Jeff

 

My OH got one of these today after a long silence from Link.

 

What stage are you at buddy, so that I know what to expect?

 

Many Thanks

 

Manc

 

 

Hi,

 

I submitted a defence to the Court and am now awaiting the Claimant's response.

 

Jeff.

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Did they manage to furnish you with everything you asked them to send you and how long did it take them?

Am just trying to get some background info as I am sure they will send me court papers soon.

Thanks

It's all fun and games until someone loses an eye :D

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Did they manage to furnish you with everything you asked them to send you and how long did it take them?

Am just trying to get some background info as I am sure they will send me court papers soon.

Thanks

 

 

Hi,

 

So far they've sent a copy of an application form. The latest T's and C's. A reconstruction of an alleged default notice.

 

It took some time for these to materialise.

 

 

Jeff.

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