MBNA.account in dispute but still sold to DCA, WHAT NEXT?

poptart1_2

Sent mbna cca requests approx 5 weeks ago on 2 credit card accounts with MBNA ,enclosed £1 for each and sent recorded delivery, sent the 12 days dispute letters also recorded , not heard a dickie bird, no acknowledgement ..nothing!until today and I have now had a letter from LINK FINANCIAL saying they now own the debt.
only forced into this as mbna were hassling me constantly to pay more as I was on a dmp and they were freezing intrest but I could not increase my payments.
how do I handle this now? no cca from MBNA ,I put them in dispute and yet they have still sold the debt on, I thought they could not do this, please help
Also what can I expect from LINK? DO i CCA THEM NOW?

poptart1_2

Please Anyone, Sorry For Bump

scaredy_cat

I got a letter from Link financial today ref a GE Capital Bank debt (Evans store card)

They are a DCA - http://www.linkfinancial.eu/uk/index.html who have bought the debt for a fraction of the amount owed, so i beleive.

MNBA should not have sold the debt on as you were disputing it, and i think you should write to Link telling them this and MNBA and copy the OFT in as well.

(if that's wrong advise, someone will say!!)

suewiththeblues

i have a sneaky feeling this is about to happen to me too. i CCA'd mbna and within the 12+2 period they wrote to tell me my account had been sold on so i will just send the dispute letter to whichever DCA it is! same thing happened with Egg

poptart1_2

this was well outside the 12 + 2 days, I cca them on 21 feb 2009 ,i sent the 12+2 day letter on 15 march 2009 and Links letter I got today was dated 23 march 2009, so have MBNA broke the rules? what is the best way forward now?

AMBERSHADOW

Don't call link always deal in witting these are terrible for calling you

poptart1_2

also should mbna have sent a notice of assignment stating that they were selling the debt on?

AMBERSHADOW

Yes they should and link should have a copy too

poptart1_2

is there a template I could use to send to link on this or a copy of a letter anywhere that sounds official ?

AMBERSHADOW

If link have contacted you ? you need to send them a cca request whicch is in this thread by Ras HERE

AMBERSHADOW

sORRY that is the second letter I am finding you a link for the first can you hang on