harrasment from debt collecter

courier71

hi ive just joined the forum ive had a lot of debt over the last 5 years but got myself on top wasnt easy got intouch with all the debt collection companys and sorted it paying so much a month trying to get on with my live getting married next year. right out of the blue a few days ago starting getting phone calls but didnt answer my mobile want to know who they are first ive been on the internet turns out they are a debt recovery called link financial bases near cardiff and in london they operate different to other debt companys i read a lot of forums on internet about peoples experiences with this company they nasty piece of work that will try any dirty trick to get hold of you been ringing my mobile all times in day and at 11 oclock at night and been ringing my ex wife and her husband trying to get information about me. what this company do is buy lots of really old debt from years ago of the big lenders ie ge money ect for next to nothing then chase and harrase the debter demanding all of the debt to payed in full for shear prophet for them selfs and threaten court action against you to scare you. you cant reason with these people some of the storys on internet from peoples experiances with this company made my hairs on my neck stand up iam now really worried about being harrased from link finacial and dont know what to do next hope some one can help with advise. thanks for reading hope to hear from you soon.:rotfl::(:(:eek:

Tixy

Hi and welcome

Do they always ring from the same number? if so you may be able to get your mobile company to block the number.

Are they leaving you messages? Have they written to you yet? Do you know what debt they are chasing you for?
When they write send the prove it letter http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2, if and when they prove that there is a debt in your name you might want to consider
1)if the debt could be statute barred, or
2)depending on the type of debt you might want to do a CCA request to see if they can produce this document.

niccatw

Hi Courier

Welcome to the forum

I agree with Tixy (I always do ).

It might also be an idea to check your credit file and see if any of your accounts are still linked with your ex-wife. If they are, you can write and ask for them to put a note of disassociation. It's bad enough that they are harrassing you, I'm sure you don't need the extra stress of them also harrassing your ex wife!

Good luck

courier71

hi all thanks for the reply and advice yeh they ring on same no all the time but seem to have slowed down on ringing about 1 a day havnt had any messages as yet from them but dont think these people give up that easy havnt recieved a letter as yet but feel one will come soon will do everything in writing and asked them to prove i owe the debt will ask for the cca. have been going through there website appears to look all proffesional and above board but still dont trust them will sit tight and see what happens yet again thanks for the advice. stephen:rotfl::beer: