DCA failure to respond to Account in dispute - Section 10 Notice.

ErnieBecclestone

Hi, im new here and have spent many hours browsing the boards and find myself in a situation with a DCA called Link over my pre98 Student Loans. I have already spent several months SAR'ing SLC an d CCA'ing Link and find myself even more confused as SLC clearly state that they no longer have any interest in the loans as they had been sold to Thesis/Link back in 2008.

It now appears i was CCj by SLC back in 2002 and neither party can produce a reference for CCj and have nothing as regards 'Notice of Jud.gement'. I have had considerable difficulties with Link and find them dishonest and have followed the process which led me to sending them a "Account in Dispute- Section 10 Notice" with 30 days response and on the 29th day i received a 'Holding Letter' asking for more time and on the day after the due response date, they send me their 'Final Response' which was both late and had failed to address a number of the points i had made as regards my section 10 Notice.

Is there a response that i need to give them as i find that the template letters appear to stop at this point.

Many thanks for any advice or guidance,

Ernie.

happy_bunny_2

You tried posting on the legal beagles or CAG forums?

ErnieBecclestone

happy_bunny wrote: »

You tried posting on the legal beagles or CAG forums?

I haven't yet, so thank you happybunny i will join there.

StepChange_Private_Messages

ErnieBecclestone wrote: »

Hi, im new here and have spent many hours browsing the boards and find myself in a situation with a DCA called Link over my pre98 Student Loans. I have already spent several months SAR'ing SLC an d CCA'ing Link and find myself even more confused as SLC clearly state that they no longer have any interest in the loans as they had been sold to Thesis/Link back in 2008.

It now appears i was CCj by SLC back in 2002 and neither party can produce a reference for CCj and have nothing as regards 'Notice of Jud.gement'. I have had considerable difficulties with Link and find them dishonest and have followed the process which led me to sending them a "Account in Dispute- Section 10 Notice" with 30 days response and on the 29th day i received a 'Holding Letter' asking for more time and on the day after the due response date, they send me their 'Final Response' which was both late and had failed to address a number of the points i had made as regards my section 10 Notice.

Is there a response that i need to give them as i find that the template letters appear to stop at this point.

Many thanks for any advice or guidance,

Ernie.

Hi Ernie,

If you feel that the contact from Thesis/Link DCA is malicious or unlawful and they haven’t responded to your letter referencing s10 Data Protection Act then you could escalate your complaint to the Information Commissioner.

If you have a CCJ from 2002 it is still enforceable. If you’ve been paying it you should continue to do so – if the creditor wants you to increase the amount they should apply for a variation through the court. If you’ve never paid towards the CCJ you need to contact your local county court and ask to be sent an N245 form – this will allow you to make an offer towards the debt.

If you need budgeting help or some expert debt advice use our online tool, Debt Remedy or contact us to speak to an advisor.

I hope this helps.

Thanks,