Link financial

[Forncett]

In 2007 I had a messy divorce the house was repossed and I had to move I had a mob a credit card and am unsure whether it a
had a ccj link send me statements but have now said they want to send resolvecall round to get me back in touch with them I have never acknowledged this debt it is 17 years old and wonder where I now stand with this any help is really appreciated thanks

[echat11]

Hi Forncett

Welcome to LB

I would send Link Financial a Satute Barred Letter, see what they respond with.

Even if they have a CCJ, they would struggle to act on it because of the time that's lapsed.

Make sure you get Proof of Postage -

https://legalbeagles.info/forums/for...ed-debt-letter

Have a Statute Barred Letter in an envelope, if Resolvecall visit just hand them the envelope. (Resolvecall have no powers).

[Forncett]

Thankyou I checked a statement and link bought the debt in 2008 so I think they are trying their luck to scare me into paying them but I shall do as you said and send the letter as the ccj would of run out in 2013 so I can’t see them getting it extended now after 11 years

[echat11]

Thankyou I checked a statement and link bought the debt in 2008 so I think they are trying their luck to scare me into paying them but I shall do as you said and send the letter as the ccj would of run out in 2013 so I can’t see them getting it extended now after 11 years

If they have a CCJ, then it can't be Statute Barred, but as you state, the Court wouldn't entertain the CCJ, they would need a very good reason why they hadn't acted a long time ago.

[Forncett]

Thankyou how do you suggest I move forward with this thanks

[echat11]

Thankyou how do you suggest I move forward with this thanks

Post 2, you don't know if you have a CCJ, I would send the Statue Barred Letter, see what they come back with?
Update the thread. once you get a response.

[Forncett]

Hi there i spoke to National debtline today and im so confused as they seem to think that if a ccj was given in 2007 it would still be enforceable, but to send the statue barred letter and see what happens resolvecall put a card through the door today but im not going to phone them please can someone help me im Worried sick now that this is still enforceable Link have never mentioned a ccj or given me a court reference
Kind regards

[echat11]

Hi there i spoke to National debtline today and im so confused as they seem to think that if a ccj was given in 2007 it would still be enforceable, but to send the statue barred letter and see what happens resolvecall put a card through the door today but im not going to phone them please can someone help me im Worried sick now that this is still enforceable Link have never mentioned a ccj or given me a court reference
Kind regards

a) they seem to think that if a ccj was given in 2007 it would still be enforceable,

Read post 2 again.

b) but to send the statue barred letter and see what happens

Read post 2 again.

c) resolvecall put a card through the door today but im not going to phone them

ResolveCall has no powers, they just carry out 'futile' home visits.

d) please can someone help me im Worried sick now that this is still enforceable Link have never mentioned a ccj or given me a court reference

You've answered your own worries in bold.

[Forncett]

Thanks for this and im sorry for the questions i have read the statue barred letter and it says where no contact they do send statements but I've never acknowledged anything will i still be able to do statue barred i have it written out Ready to send

[echat11]

Thanks for this and im sorry for the questions i have read the statue barred letter and it says where no contact they do send statements but I've never acknowledged anything will i still be able to do statue barred i have it written out Ready to send

Try to stay calm. I don't think them sending 'statements' matters.

Yes, send the letter, reassess your position when you get a response.

[Forncett]

Hi there so the response i got today was thankyou for your letter, the( statue barred one) and please accept this as acknowledgement of your dispute and it has been assigned to there complaints and resolution team and they endeavour to get back to me within 4 weeks still no mention of ccj or anything shall i just sit wait and see what they come back with or should I be worried
Thanks Forncett

[echat11]

Hi there so the response i got today was thankyou for your letter, the( statue barred one) and please accept this as acknowledgement of your dispute and it has been assigned to there complaints and resolution team and they endeavour to get back to me within 4 weeks still no mention of ccj or anything shall i just sit wait and see what they come back with or should I be worried
Thanks Forncett

Wait until they respond to your letter.
You have nothing to worry about.

[Forncett]

Thankyou very much i will keep you posted