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Link debt collecting
fleur
Posts: 97 Forumite
in Credit cards
My Mum got in a mess with her credit card that was with MBNA. She no longer has a card and is not charged interest. The debt has been taken over by a company called Link.
I was disgusted when I saw how much she had been allowed to spend on her card, it was over £5000. It is now below £4000. Mum is 82 and was diagnosed with Vascular Dementia in 2015. I'm her carer and was helping her out with the £50 a month payment. However, I've had to stop work to look after her full time.
Can I just stop paying the loan back because I don't it was right to let her build up such a large debt, aren't they suppose to do "responsible lending"
I was disgusted when I saw how much she had been allowed to spend on her card, it was over £5000. It is now below £4000. Mum is 82 and was diagnosed with Vascular Dementia in 2015. I'm her carer and was helping her out with the £50 a month payment. However, I've had to stop work to look after her full time.
Can I just stop paying the loan back because I don't it was right to let her build up such a large debt, aren't they suppose to do "responsible lending"
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Comments
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A debt can be written off if the collector is satisfied that there is little chance of collection.
I would write to Link, using the information in the National Debtline article https://www.nationaldebtline.org/EW/factsheets/Pages/write-off-debt/write-off.aspx
The article includes letter templateI work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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No. You can't just choose when something is irresponsible lending.
If you have a complaint, she (or you with POA) need to submit it to them. They may show some goodwill.
But it's not a ridiculous amount and it's unlikely she informed them of her condition upon application0
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