Home Visit Letter from LINK dated 25th November 2025 for Unenforceable Debt

Want2BeDebtFree

Hi guys;

I received the attached letter from LINK on 25th November 2025 stating they are potentially going to pass the account to their "Reconnections Team" who will asses the account for a "HOME VISIT" to my house.

Long story short [and detail of the background of the debt].  The history of this debt is that I have it in writing from LINK that as of 25th January 2018 the debt is unenforceable.  They state in the January 2018 letter that:  QUOTE:  "We wish to clarify that your Section 77/78 document request was received on 21 December 2017 and we issued a request to original creditor on the same day.  Unfortunately we have yet to receive the requested document from the XXXXX and therefore can confirm that as of 25 January 2018 your account is currently unenforceable until which time we are able to provide you with the documentation." (End Quote).

Obviously once I had it in writing that the debt was unenforceable I ceased ALL communication with LINK,  and stopped ALL payments upon advice from this Martin Lewis website,  and also on the advice of STEPCHANGE.  And have simply been filing all of LINK'S letters to me in a big folder in date order.  I have a big stack of them.  But I've not written to them, not rang them,  not emailed them,  and not texted them.  I have still not received the proof of the debt, or the original contract. 

So the advice I need now;  is when they come knocking at my door - what do I do?  Do I answer it and show them all of the letters from LINK, and point out where it reads "Unenforceable"?

Or do I not answer the door?

Or do I answer the door and just video them with my phone and keep quiet?

Would opening my mouth, and chatting to them "re-establish" the debt,  and damage the chances of it becoming Statute Barred?

Or is it ALREADY Statute Barred (?) as its nearly 8 years.. 

I have NOT communicated with them in ANY way since January 2018.  So if they come knocking at my door in January 2026 then 8 years will have passed with ZERO communication on my part to LINK.

I just want to do the right thing.  

Thank you

Rob5342

It will be statute barred if it defaulted before December 2019 which I'm assuming it did. Link know full well that it's statute barred and are trying their luck, hoping that you don't know the process and trying to intimidate you with the threat of a home visit. They must be very desperate for money for their Christmas party. 

I'd send the statute barred letter. Anyone that turns up to your house will have no more power than a double glazing salesman or jehovahs witness and can be dealt with in the same way, ask them to leave without engaging in anything or don't answer the door in the first place. They prey on people's fears and want them to think that they are bailiffs when they are nothing of the sort. 

fatbelly

I agree with Rob

Guidance does not say that they have to cease activity because a debt is unenforceable under s77/9.

But it does say that they have to cease activity because a debt is unenforceable under Limitation Act 1980, if you state that you will not be paying it, and this is in the standard letter

https://forums.moneysavingexpert.com/discussion/6027755/statute-barred-debts-and-the-limitation-act

Ps once a debt is statute barred under LA1980, it stays that way. You cannot resurrect it

sourcrates

Agree with the above, get the statute barred letter in the post to them.

If their representative does happen to call, treat them as you would a double glazing salesman, or unwanted religion peddler, say no thank you, or just ask them to leave, the less you say the better, it won`t make any difference to the debts status, but if you engage with them, it only serves to encourage them, so best staying radio silent.

Want2BeDebtFree

Hi Sourcrates,   You have helped me NO END since 2017... 

Which letter shall I send?   I see there are 3 to chose from.  I live in England.   The reason I ask which is the best letter to send is because I do NOT want them coming to my home.   My Husband is ill and not savvy,  and if I happen to be out when they arrive and he answers,  then he is likely to get frightened and might potentially pay them??  I simply don't know what he will do because he doesn't understand any of this the way I do,  (even though I've told him hundreds of times)...  Is there a letter saying something that shall put them OFF coming to the house?   

Am I allowed to say:  "Do not come to my house -- or I shall call the police immediately as its private property" ?   Or is that not good protocol?  

By the way..  In my WINDOW of my house (next to the front door) it says in RED:   "NO COLD CALLERS OR SALESMEN OR I SHALL CALL THE POLICE" -- so is that sign "Valid" to these Debt Collectors?   Would they read that and then SCARPER OFF??   Or would they still knock?  

Thank you everyone in advance... 

~~~  LETTER 1 ~~~~

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

Dear Sir/Madam


Account No: xxxxxxxxxxx

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5:

“An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

I would point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules:

"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8

Limitation commences from the date specified in the default notice for payment of the arrears, this was on (insert date) which is over six years ago.

Unless you can provide evidence to the contrary, or of payment or written acknowledgement from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.


I look forward to hearing from you.

Yours faithfully



Mrs A N Other

--- END OF LETTER 1 ---

####################################################################


~~~    LETTER 2  ~~~~

Possible letter if previous letters are ignored.

Report them to the FCA and Trading Standards as well.

Quote:
I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

Acc/Ref No: *******************

FORMAL COMPLAINT under the complaint procedures set out by the Financial Ombudsman.

Thank you for your letter dated xx/xx/xxxx, the contents of which are noted.

On xx/xx/xxxx I wrote to <Name of debt collector> regarding a debt that was alleged to be owed by myself. That letter was received and signed for on xx/xx/xxxx as confirmed by Royal Mail tracking.

In this letter I pointed out the following items:

1) Under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

2) The FCA say in their Consumer Credit sourcebook "...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

3) The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

4) The FCA Consumer Credit sourcebook states further that "A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.

Therefore it is clear that your original contact regarding this debt may well have been in breach of the FCA Rules referred to in item (2).

Furthermore, your second letter is in breach of the FCA Rule referred to in item (4) and constitutes harassment.

As you are no doubt aware, breaches of the FCA Rules are treated seriously by the FCA when considering your fitness to hold a Authorisation with the FCA.

Therefore I wish to formally notify you that unless I received confirmation that this matter is now closed, then I will not hesitate to make a formal complaint to the 'FCA' and also to 'Trading Standards'.

Furthermore, any attempted contact (other than to confirm that this matter is now closed) by any:

• "trading style" of the <Name of debt collector> group
• constituent member of the <Name of debt collector> group
• a third party acting on your behalf
• a third party that claims to have been legally assigned this debt

will result in an immediate complaint to the aforementioned regulatory bodies.

Also please note that any legal action you may consider will be FULLY and VIGOROUSLY defended, and you will be put to a strict proof of the alleged debt and any payment or acknowledgement that you claim within the relevant limitation period.

In line with the protocols on pre-action conduct, I therefore request a independently verifiable copy of any acknowledgement or payment that you may claim was made within the limitation period. Failure to comply with this reasonable request will result in your actions being brought to the attention of the court.

Furthermore, you may consider this letter a FORMAL COMPLAINT under the complaint procedures set out by the Financial Ombudsman. If you wish to correspond with myself with any other purpose than to confirm that this matter is now closed, then I require you to supply me with a written copy of your complaints procedure and a "final response" that I may forward to the Financial Ombudsman with my complaint.

This COMPLAINT is not going to go away and ignoring this problem could potentially make your situation worse. I therefore strongly recommend that you send written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I would appreciate your due diligence in this matter.

##################################################################

~~~~~~   LETTER 3  ~~~~~~

##################################################################



Hybrid letter stating that you have no knowledge of the debt AND that it would be statute barred regardless.

Quote:
I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

Dear Sir/Madam

Reference number :

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that we have no knowledge of any such debt being owed to <creditor>.

I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would further note that based on the information you have supplied, this account would also be statute barred under the Limitation Act 1980

Under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

I would also point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules:

"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8

We would ask that no further contact be made concerning the above accounts unless you can provide evidence of :


(1) proof of my liability regarding this debt.

and

(2) proof that the relevant limitation period under Section 5 of the Limitation Act, did not accrue.

We await your written confirmation that this matter is now closed.

Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions.

YOU MUST ALSO TREAT THIS AS A FORMAL COMPLAINT, AND AS SUCH I REQUIRE A COPY OF YOUR COMPLAINTS PROCEDURE AND A RESPONSE TO TAKE TO THE FINANCIAL OMBUDSMAN.

I look forward to your reply.

Yours faithfully




Mrs A N Other

ManyWays

I suggest Letter 1.

sourcrates

Yes send letter (1).

This threat of been passed to the "reconnection team", I don`t know who LINK use, it could be a department with their own organisation, or a 3rd party such as Resolvecall or Verify, I really have no idea.

What you must do is get hubby to just not answer the door, you don`t want to upset the applecart now by making a payment on a statue barred debt, if you get that letter sent off ASAP, you most likely won`t have to worry about it.

Want2BeDebtFree

Thanks guys.
I have copy and pasted Letter 1 and printed it off - and will send it off to the below address tomorrow from my local Post Office, [Signed For Delivery], and get them to sign for it via Royal Mail upon receipt when they receive it in Caerphilly. That way I know they have got it.   That appears to be their new "Correspondence Address".   

• Link Financial Outsourcing Limited, PO Box 107, Caerphilly CF83 3GG 

Want2BeDebtFree

Went and posted out "Letter Number 1" to LINK (as per above) to advise the debt is now State Barred and unenforceable and for them to not visit my home etc,  and then got back home to yet another letter from them,  see below.  Long story short,  yes, they are going to do a "Home Visit" in the next 7 days.  Letter is dated 2nd December 2025,  so this will be fun when they come on over.

If they do come to my door,  shall I show them a copy of the letter I sent them today [Royal Mail registered/signed for Delivery, with Receipt] and read it out to them?   Then hand them a copy? Cos I am just wondering if due to tomorrow being Sunday,  they might not get my letter in time,  and might send Resolvecall out? 

I am not ringing them (on that phone number) as they will record the conversation. 

Cheers guys

sourcrates

If Resolvecall.........do call, simply hand them a copy of the statute barred letter, and say goodbye, nothing else, don`t get into the why`s and what ifs, hand them the letter, say goodbye, close the door.

The rep from Resolvecall should be considered on a par with the Amazon Delivery driver, or the Deliveroo guy, why would you discuss money and debt issues with them? well you wouldn`t would you, and neither should you with Resolvecall either.

Want2BeDebtFree

Okay... Shall do... I will have an additional copy of the letter handy [nearby] my front door this coming week (so I can grab it quick).  And if they do come to the house,  I will just do exactly as you say.  Hand it to them, say goodbye,  and shut the door... 

Thanks for your sound advice Sourcrates