Link financial outsourcing

[Damian Hamilton]

I have received a letter from Link Financial Outsourcing re an outstanding debt. I sent them CCA request and they have responded saying they do not need to provide info as this was subject to a CCJ - the problem is I have no recollection of this ccj ?? The creditor is Lloyds bank but I have never had a loan/credit card with this bank - any ideas/ letters I can send to query this ????

[charitynjw]

Re: Link financial outsourcing

If you have a CCJ by default, it may be possible to have this set aside.
Check via Trust Online for details of the court hearing venue, claim number etc..
Contact that court to get further details of the judgment.
Then write to the Claimant/Judgment Creditor for their consent to set aside.
If they refuse or ignore, you can make an application for a set-aside without consent.
You will need to act fairly swiftly, as delay could defeat the application.

[Damian Hamilton]

Re: Link financial outsourcing

Many thanks - they have sent the claim number - I will check it online at trust online

[Damian Hamilton]

Re: Link financial outsourcing

I have checked online - I did it on my current address (I have lived here for 17 years), and it doesn't show. Link have given a case number - could I just ring Northampton to check it ??

[charitynjw]

Re: Link financial outsourcing

How old is this CCJ?

[Damian Hamilton]

Re: Link financial outsourcing

It could only be against my old address, which I moved from 15 + years ago, because it would have shown on Trust Online wouldn't it ??

[Damian Hamilton]

Re: Link financial outsourcing

Rather than applying for a set aside, might've it be worth sending the statute barred letter ???? Any ccj would be 10years + old ???

- - - Updated - - -

Rather than applying for a set aside, might've it be worth sending the statute barred letter ???? Any ccj would be 10years + old ???

[MIKE770]

Re: Link financial outsourcing

once a CCJ is in place you need to set a side, there is no side step the issue, no need for letter table tennis, as advised send letter asking if they agree a set aside if not go ahead anyway these bally chancers must be near out of business after such long time CCJs, desperation??

[Diana M]

Re: Link financial outsourcing

Rather than applying for a set aside, might've it be worth sending the statute barred letter ?

Why don't you simply write back to Link asking them to provide you with evidence of any CCJ.

Make it a one-liner

Di

[charitynjw]

Re: Link financial outsourcing

Rather than applying for a set aside, might've it be worth sending the statute barred letter ???? Any ccj would be 10years + old ???

- - - Updated - - -

Rather than applying for a set aside, might've it be worth sending the statute barred letter ???? Any ccj would be 10years + old ???

CCJs don't go statute-barred, though if it's over 6 years old they would have to jump through hoops to try & enforce it.

[Damian Hamilton]

Re: Link financial outsourcing

Short and sweet. Like it. The debt is only 400 so don't really want to waste 225 applying for a set aside.

[MIKE770]

Re: Link financial outsourcing

Why don't you simply write back to Link asking them to provide you with evidence of any CCJ.

Make it a one-liner

Di

a suggestion has been made ??? why not go with it? saves time frustratioin and monies

[Damian Hamilton]

Re: Link financial outsourcing

Sorry I forgot to add that I will follow Di's suggestion

[warwick65]

Re: Link financial outsourcing

Just want to add
In the mid 1990's I was given two CCJ's which I paid at the agreed amount until 2012 when i contacted both creditors and asked what would happen if I stopped paying. Barclays said nothing as it was so old, the other sent me a couple of letters the went quiet that was nearly 6 years ago.