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Link Financial CCA Request
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Should I also report them to the financial ombudsman? I would assume this is bad practice from link financial?
You don't have any real cause to complain to the FOS.
A bank or financial institution is only required to keep paperwork for 6 years, can you imagine how much paperwork they must have to trawl through to find your one single agreement ?.
This could actually be good news for you, if they cannot find the agreement, they cannot obtain a judgement against you. You could send a reminder, and/or stop paying, both of these actions would warrant some response from them, until your request is satisfied, you are not obliged to pay the account.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks guys. It was an account I signed up online to. I will give them another working week and write to them. I will carry on paying while I await their response.
Kusunagi0 -
bad news for you it would be an electronic signature, also after 2007 they can reconstructDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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bad news for you it would be an electronic signature, also after 2007 they can reconstruct
Account was opened in 2002 though, so even if taken out online, it was practice at that time to also obtain a paper copy, which would require a signature.
Also it was a tick box,(dependant on company) not electronic signature then as well.
This is why catalogue companies have fallen fowl because they sent out agreements, even with online accounts, and people did not sign or return them, hence a few years down the line, a DCA has picked up the debt, they do not know how or when an account was opened without referral to the OC, if the OC has not kept records, no one knows if it was an online account or not.
I have had an account, taken out online, written off by Lowell because no credit agreement existed, as I never returned the paper copy, and that was from 2008.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
tick box acts in the same way as an electronic signatureDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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With regards to this question, its been over 30 days and no reply from Link. Also I got the dates mixed up, I've had the original account with MBNA since 2011. I was thinking of my mint account when I said 2002 (which I payed in full some years ago) !! Sorry..
Is there a prescribed time for Link to get back to me? I'm still paying them the agreed amount of course.
As always thanks for any replies and sorry for any confusion...
Kusunagi
he quoted the wrong dateDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0 -
dont need toDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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So I got my agreement finally. Its in very small print, quite hard to read. It had a page at the end from link telling me the contract is now cancelled and i must pay the balance owed immediately. It also said the balance to pay may increase with interest claimed under s69 county courts act 1984 as well as legal costs.
I assume I just write to them explaining I can't pay in full and set up a standing order again? Or am I likely to get taken to court?
Any help many thanks
Kusunagi0
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