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bbcoops

Link, Mbna Help

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Sent a cca to Link Financial. By Monday the 12+2 days plus the calender month are up. I have cancelled the standing order to them.

 

I also sent a SAR to MBNA who the original debt was with. I received this letter back this morning.

 

 

Dear Mr xxxxxxxxxx

 

Account xxxxxxxxxxxxxxxxxxxx

 

Thank you for contacting us. Your subject access request has been passed to me to respond to.

 

We do wish to resolve this matter however our records indicate that you have not had any charges on your account.

 

 

Yours sincerely

 

Rachel Claridge

Assistant Vice President.

 

Now to me that seems very suspicious because i have not asked for charges i have only asked for statements so does that mean that they haven't got them and should my next step to be to CCA them?

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Yep

 

Send CCA Template request that's on the site with £1-00 by Recorded or preferably Special Delivery (worth the extra cost, £4.30 but tracked and signed as Recorded Delivery can be a bit unreliable).

 

Worked for me, 3 Creditors have written of approx £6,500 so far, to date.

 

Good Luck

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bbcoops

 

A bit confusing as you say you have already CCA'd them can you clarify please.

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I cca'ed Link and SAR'ed MBNA

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Is it 40 days for default on a SAR (subject access Request)

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CCa printed and ready to go tommorrow.

Will wait the 40days out for the SAR to default.

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Can you post up your original letters

 

If link are the debt collectors the CCA has already been served. It will apply to mbna if it is the OC already can you clarify ,

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I sent the standard CCA letter from the site library to Link

Link replyed saying it would take them time but they would get it from the oc, nothing since. The12+2 days +30days are up tomorrow.

 

I didn't realise this applied to the OC. So it would be a waste of time sending them one as well. They obviously haven't got it.

Hope this clarifies?

and can you advise where i go from here.

I really appreciate your help on this matter.

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Still getting harressing phone calls from Link.

Not sure what the next step is.

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Sent a non compliance letter to Link today as they defaulted on the 1st July.

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Have also sent a harressment letter to them.

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I'm dealing with these too. I got a standard letter back from Link saying they would be going back to MBNA for the CCA Agreement, but guess what ------ I rang MBNA and they don't have it :D

 

The account was opened in 1999 and they only have information going back to 2001, which they've already passed over to me :p

 

Will wait and see what Link's next move is ...... but I'll just be letting them dig themselves into a bigger hole and hopefully committing a summary criminal offence!!!!


jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Have you got an address for Link? I want to CCA for my husband, but we have nothing in writing, just phonecalls.


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I have a PO box address but no proper address.


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Their registered address, in smaller print, on a letter received from them a few days ago is:

 

Link Financial Limited

89 Albert Embankment

LONDON

SE1 7TP

 

The Address at the top of the letterhead is:

 

Link financial Limited

P O Box 30095

LONDON

SE1 7WU

 

It was the PO Box address that I used to send off the CCA letter to them in the first place and they replied really quickly.

 

Hope this helps.


jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Thanks, I'll give it a go.


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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