Help with link financial. Just 6 wks left till statute barred

sourcrates

Lets get this straight then, prior to 25/05/2025, if you didn`t acknowledge the debt in writing, or make any payments to it, it would have become statute barred on that date.

If that`s the case, you have a full defence to any claim they may choose to start.

You said you sent a statute barred letter already, did they not acknowledge that at all?

fatbelly

You said earlier that it was due to go SB in September.

Their latest letter is just an attempt to get you to engage. Continue to ignore but respond to a formal letter before claim if it comes

Blueroses13a

@sourcrates @fatbelly thanks so much for replying. I didn’t send them a statute barred letter yet because I wasn’t sure if the debt was mine or when a default notice was sent. I sent them a “Prove It” letter and in their response, they included a copy of the default notice which clarified that date for me. I haven’t responded to them in any way since they sent the information proving the debt was mine, and it has now become statute barred. I have never acknowledged that the debt is mine in writing nor have I made any payments towards it. They continue to call, email, etc and I just received a letter stating that they will pass my information to a solicitor within 14 days. Since the debt is now statute barred, I’m wondering if I need to respond to them and if they can go ahead with any legal action. 

sourcrates

As said above, they can waste their time and money taking you to court, but you now have a full defence to any claim they may care to start, with the evidence kindly provided by they themselves (to say these companies are incompetent would be a gross understatement) to be so blinded by trying to prove liability, they hand deliver vital evidence of the debt being out of limitation to you and are non the wiser for it.

You have a copy of a default notice clearly showing that the debt is now statute barred, so do not lose that piece of paper whatever you do.

You can write back and tell them its statute barred, enclose a copy of that default notice as evidence of this, that should put an end to matters there and then.

Otherwise wait until a letter before action drops on your doormat, and tell them then, its up to you really.

Blueroses13a

@sourcrates thanks so much. I’ll wait and send the letter if I hear any further from them. Thanks for reminding me to keep all the relevant documents safe!!!

Flatericsdistantcousin

I'm "dealing" with a debt owned by Link at the moment, they aren't the best company to deal with by any means!! 

Blueroses13a

Hi, I’ve just received a letter from Kearns solicitors acting on behalf of Link Financial. They’ve asked me to respond within 30 days by paying the debt to them or directly to Link Financial. Can you please tell me how to proceed? I’m pretty sure Link Financial realise the debt is now statute barred since they sent me a copy of the default notice themselves. I’m not sure why they’re insisting on proceeding with this action. 

Blueroses13a

@Flatericsdistantcousin they’re the worst!! 

Blueroses13a

Hi, I’m sorry to keep asking for help with this issue but I’ve just requested my credit report again and noticed that the default date on the report for the debt in question is different to the date on the default letter I received. The letter was dated May 2019 but the default date on the credit report is October 2019. Is there a reason why this would be? Is it an error that can or should be rectified? and which date applies with regards to when the debt is statute barred? Thanks so much for your help and patience. 

Freeatlast

Default date on the report is just the date they reported it, date on the letter is what counts.