link debt and now threatening letter saying going to Kearns solicitors

[Toothbrush]

hi , have seen some other threads similar so was wondering how people have got on with this.
i was with stepchange for 12yrs chipping away at debt with small payments - decided to go down CCA route at christmas and received letters back saying all debts (link, cabot and lowell) unenforceable as unable to find CCAs. my last payments to these companies was dec 2024 via stepchange - i no longer am with stepchange and havent paid anything to them since then. i appreciate none will be statute barred as have been paying through stepchange , but none of these debts have shown on my credit reports for years and my credit rating is excellent lol!
lowell wiped the debt as soon as they admitted unable to provide CCA - thank you to Lowell,, cabot havent wiped it but havent really bothered me , but Link have been an absolute nusiance sending letters which i have not responded to as they sent a letter which i have saying they cant find CCA so unenforceable. i did write to cabot and link saying i wouldnt be paying anything until CCA supplied and to stop harrassing me .
so then on saturday here somes this letter from Link saying apparently debt was sold to LC asset 1 sarl on 29/11/18 ?? - dont remember ever receiving info on this? all stepchange statements say Link still and letter saying unenforceable from Link . sit tight till hear from kearns solicitor? then say again i have letter saying unable to find CCA? or write to link reminding i have letter proof of unenforcability ( i only have 14 days apparently to respond)
how have others got on with this, would like to understand where this could lead to , all suggestions welcome - many thanks

[echat11]

They can try to collect the debt (but they shouldn't be harassing you, keep a diary).
But won't be able to take it through the Courts.

[Toothbrush]

Thank you , is it worth reminding Link via email/ post or phone I have a letter from them saying unenforceable as they couldn’t supply CCA - although I only have 14days to contact and letter was dated 9th July regarding sending on to the Kearns solicitor - or just sit tight and wait till hear from Kearns

[echat11]

Thank you , is it worth reminding Link via email/ post or phone I have a letter from them saying unenforceable as they couldn’t supply CCA - although I only have 14days to contact and letter was dated 9th July regarding sending on to the Kearns solicitor - or just sit tight and wait till hear from Kearns

Before they take legal action they have to send you a Letter Before Action, that's Pre-action Protocol. So update if or when you get a letter that states that.

[Toothbrush]

Thank you , will sit tight till they send that . So frustrating when they’ve admitted unenforceable

[Toothbrush]

Thank you , will sit tight till they send that . So frustrating when they’ve admitted unenforceable

[sloane82]

Who are the debts with and how have they came about?

[Toothbrush]

Link, but they said apparently in 2018 it was sold to LC asset SArl????
all correspondence been via link outsourcing

[Toothbrush]

Hi letter from Kearns arrived .They say they ‘demand’ repayment and failure to respond will result in court proceedings . I have a couple of sections I wondered about for filling in in anyone can advise please ?
Last payment was to them via stepchange in dec 24
I think I fill in section box D ? I dispute the debt - I have letter dated 9th dec 24 saying they can’t find CCA therefore unenforceable ( I can send proof of this)
Then fill last boxes H & I in saying I’m providing documents & requesting everything?
I’m not doing a financial statement they can get lost lol
do I send this recorded delivery back to them ?
many Thanks

[echat11]

Hi letter from Kearns arrived .They say they ‘demand’ repayment and failure to respond will result in court proceedings . I have a couple of sections I wondered about for filling in in anyone can advise please ?
Last payment was to them via stepchange in dec 24
I think I fill in section box D ? I dispute the debt - I have letter dated 9th dec 24 saying they can’t find CCA therefore unenforceable ( I can send proof of this)
Then fill last boxes H & I in saying I’m providing documents & requesting everything?
I’m not doing a financial statement they can get lost lol
do I send this recorded delivery back to them ?
many Thanks

You could just ignore them, if they are 'minded' to start proceedings, then you have evidence that they have stated that the debt is 'unenforceable'.
They should be aware that is the case.

If you want to do the following, that's fine -
'I dispute the debt - I have letter dated 9th dec 24 saying they can’t find CCA therefore unenforceable',
'Then fill last boxes H & I in saying I’m providing documents & requesting everything?'

[Toothbrush]

Many thanks . Sent this morning stating I had letter saying unenforceable ( enclosed copy of letter ) and filled forms in as suggested . I’ll update when hear .

[sloane82]

What is the debt for and why are they chasing it up?