Jul '25 • General discussion
Dispute final response from link
I have received a reply from Link from 2nd SAR, They have titled it DISPUTE FINAL RESPONSE LETTER. They say they have not breached any guidelines. They acknowledge receipt of my Final notice. Please note we do not accept the content, nor any Freeman of the land style templates. As such we do not consider your claim to be a valid dispute and any further correspondence received containing similar text will be logged and not responded to. I can confirm that we issued your DSAR within regulatory timeframe, and it contained all the information we hold about you and your account. (which was nothing except a list of letters and phone calls.) I can confirm that we have provided everything required to be enclosed within our original DSAR response.
I can confirm that this debt is known as "chose in action". As the original lender holds the legal right to collect the debt, they also hold the right to assign their rights to LC Asset 2 S.a.r.t. Although the lenders do not need the customer's permission to do this, Section 136 of the Law of Property Act 1925 requires, in order for there to be a legal assignment, that notice of assignment, should be given in writing which we have complied with.
As per the above information, I can confirm that legal assignment has demonstrably taken place, and that we are now the legal servicers of the above account. You remain liable for the outstanding balance.
I have checked back in the SAR and there is no notice of assignment, their first contact was a text message. No mention of a notice of assignment.
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Dispute final response from link
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