Link financial

twhitehousescat

every yr for what seems forever I have recieved a "xmas card" asking for £1 150  ,(I do not reply)  I have no knolage of this , 2 weeks ago they actually rung me up , so I asked them what this was about and who was the supposed creditor 
the incident seems to have happened in 2009 , and was with santander (?) 

I immediatly disputed this , stating a: I have had no dealings with santander , and d: , as this was 2009 , they have left it a bit late and it (if it exists ) is statute barred 

I suggested that the call would be terminated , and if they wish to continue , to put things in black and white 

today I have ecieved reply from my complaint , evidently this is GE bank ?  and evidently a ccj was taken out against me on 15th june 2009 for £1505.51 

news to me? 

they have sent 4 pages of small print (contract ) all clearly marked contract between ge capitol and XX XX (myself) at my previoud address (i moved to present in 2011), and on final page a box stating  my name (correct ) signicture blank , date of sig 10/06/08 , below that , signed on begalf of ge , name , no sig , and finally the date 10/06/08 

they are stating they issued ccj  , NOTHING was showing on my credit file berween 2009 and 2015 period , (other info was acurate )


where do we go from here ., whose job is it to prove ccj ? , in fact there info is so scant , I do not believe this debt is mine 


as a ccj id "supposedly" in force , can a enforcement officer turn up at random?

D3xt3r5L4b

CCJ’s “expire” after 6 years.

Just ignore them and tell them to go away

twhitehousescat

yes , I know ccj s expire from your record after 6 yrs , and indeed I stated this , rather lowdly to them , however the jist of there letter and call was that after a ccj has been issued , there is no expirey time for enforcement / collection and they still want the money 
does the ccj register still show a ccj , I deny one exists , can they actually show it exists after 11 yrs? 

D3xt3r5L4b

No it will only show current “active” CCJ’s

twhitehousescat

ok , so how do I disprove or even how do they prove that a ccj exists , or existed , 

how can they enforce , or go to a judge to get extension , form n446 simply asks for a ccj number , how can this be verified , if as you say "will only show current “active” CCJ’s"

sourcrates

I doubt it can be proved either way, unless the creditor still has the court paperwork, in any event, they must return to court to obtain permission to further enforce the judgement now that 6 years has long ago expired.

The court may deem the time already given, is time enough, as its pretty clear you have been living in plain sight, and not say, on the moon, you have been contactable, and they have chosen not to do so, the court may well say your out of luck with this one.

And who is this enforcement officer you speak of lol ???

Its not your job to prove or dis-prove anything, i would just let this one lie, its dead in the water for all intents and purposes.

twhitehousescat

thank you , as you said dead , and had been untill call out of the blue 

PaulW922

Just so as you understand, Santander bought the store cards business of G E Money which is why you were told that by the DCA

twhitehousescat

yes I understand that BUT , I have never needed ,or had a store card , or credit of any from from a store or buisness , back in 2008/9 I would have had a basic cash card , for runner to the debit card , and to this I rely on a basic debit card  , no more , no less 
this is why I am bemused when the words GE capital /money and santander are mentioned , to my knolage I have had no dealings with either company