Can Link continue collecting an account that they define as unenforceable?
Help me out with this one...
I've been pursuing the Deed of Assignment / GDPR journey with this account of mine. The original creditor was Halifax (now Bank of Scotland), Moorcroft has been involved and not declaring their role. The account was 'sold' to Link Financial. Bank of Scotland have missed the 30 day deadline to reply to my SAR.
Strangely when I submitted my SAR to BOS I received a letter very quickly from Link declaring the account was unenforceable. This was followed a week later with the same letter. I asked them to clarify their lawful basis for continuing to process my data and received this letter.
What advice can you give me regarding the question of the debt being unenforceable but collection activities and reporting will continue. How does this site with GDPR?
Any suggestions for my next step will be greatly appreciated.
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3 comments
Paul McGowran
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Can Link continue collecting an account that they define as unenforceable?
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