Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    sorrylittlelot's Avatar



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    Default Link and car repo - old Lombard car loan

    does cca and SARicon count for car finance?
    i had my car repossed 2 years ago and now have aletter saying i still owe 8k

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  2. #2
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    Default Re: car debt?

    Usually yes. If it was a consumer loan, hpicon etc. then yes. If it was a commercial loan, unregulated, then different rules apply.


  3. #3
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    Default Re: car debt?

    As a matter of interest, who is the lender?


  4. #4
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    Default Re: car debt?

    originaly lombrdo and the debt collectoricon is link financial, i remember siging a cca but i dont have any of the baliff papers.

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  5. #5

    Default Re: car debt?

    send them off

    ida x

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  6. #6
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    Default Re: car debt?

    OK, well if it was hpicon/Secured consumer loan then CCA and SARicon is way to go.
    Good luck
    T2


  7. #7
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    Default Re: car debt?

    thanks

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  8. #8
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    Default Re: car debt?

    any ideas if lombardo are good with their records?
    i thought that if they seized the car the debt was written off, and why has it taken 2 years for them to write to me?

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  9. #9
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    Default Re: car debt?

    Sorry, I don't know anything about Lombard.
    What normally happens is the car will be sold and the proceeds put towards the o/s balance - at least in the cases I've seen.
    Have you moved since? Did Link say they were acting on behalf of Lombard or have they acquired the account?
    There is a clear set of procedures that should be adhered to in the run up to a repo, do you remember what happened in the time before? What papers were served? What you were handed after the repo?


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    Default Re: car debt?

    i just remember getting a letter but thats all, i was young n naive then lol

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  11. #11
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    Default Re: car debt?

    Well, the CCA and SARicon should give you the answers you need, - assuming they can provide them, of course


  12. #12
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    Default Re: car debt?

    they did take it from a public highway

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  13. #13
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    Default Re: car debt?

    Quote Originally Posted by sorrylittlelot View Post
    they did take it from a public highway
    You definetely need to CCA them to get a copy of the agreement!

    Roughly how much was the finance for? and how much had you paid in total?


    Thanks,
    H

    I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

    Victories:
    Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

    Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

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    MBNA (OH) - PPI & bad default with premature termination
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