i sent link a cca and i got a hire purchase agreement back as shown key financial information amount of credit £5299 total amount payable £11018.36payable by 48 monthly payments consisting of 47 payments £210.82a final payment of £409.82APR 43.9% term 48 other financial information goods car cash price £5999advance payment cash deposit £700TOTAL CHARGEFOR CREDIT hp charges £5019 acceptance £199option fee £199-- and on last page it says this is a hire purchase agreement regulated by the consumer credit act 1974.sign it only if you want to be legally bound by its terms its signed by myself and witnessed by the company i bought car of sorry i cant scan it as i dont have a scanner can anyone help PUT THE PRICES ON AS THEY DONT MATCH IT SHOWS TOTAL PAYABLE AS 11018.36 BUT WHEN YOU ADD UP AMOUNT OF CREDIT AND CHARGES IT COMES TO 10318.36 WHICH IS THE 700 FOR MY CASH DEPOSIT WHICH THEY HAVE ADDED TO TOTAL PAYABLE WHICH IS WRONG THAT SHOULD HAVE COME OF WHICH THEY SHOWED WITH AMOUNT OF CREDIT BUT THEN PUT IT BACK ON CAN ANYONE HELP

Curly Ben Can You Reply To My Above Message

I Think Its For A Catalogue We Had But It Doesnt Say On The Letter

Got Letter Today From Capquest Saying They Have Put Account On Hold For 28 Days While They Obtain The Information What Do I Do Next There Is Charges And Interest Added To Account From Capital One Do I Send Them A Sar Now

Got A Letter From Wescot Saying They Have Been Instructed To Collect An Outstanding Debt On Behalf Of Phoenix I Dont Know Who The Debt Is To As It Has Been Passed To Phoenix At Sometime And Now They Have Asked Wescott To Collect It Do I Send Cca To Wescott And See What Happens

just got letter back from link saying as you are aware LINK FINANCIAL purchased the debt from ge capital woodchester and we do not always hold the cca documentation they said they have requested a copy from ge capital and look forward to sending you this in the future and they say it could take upto 30 days.they also say if it costs them to get the documentation they will pass the charge onto me. they also say that they have put the account on hold for 14 days. since they have purchased the debt from ge capital am i still liable to pay this debt if they can get a cca from ge capital as i dont have a cca with link it was with ge capital and with them selling it will they have closed the case wont they

just checked royal mail and they have signed for the letter to capquest today so what is the time limit for them to reply with the cca request

do i send a sar to capital one or capquest as it is over £400 the card limit and see what happens or do i just leave it for now

sent cca when she got letter yesterday but as i said it has gone to a po box number will it get signed at other end i sent a letter to link which is on another thread last thursday 1st class and that is still showing on royal mail that it hasnt been delivered(signed for) so im thinking this will happen to this letter will have to find proper addresses for them both without pobox number

my wife has just got a crditors notice from capquest requesting full payment 7 days if no payment a count court claim may be issued they are asking for 1174.19 from their client capital one the credit limit on the card is 750 told capital one that she was struggling we asked them to stop interest and charges but obviously they havent sent cca to capquest but it has gone to a po box number so i dont think it will get signed at other end can anybody help what to do next

ive sent link the cca last thursday by recorded signed for checked royal mail and it still doesnt say it has been signed for could this be because it was sent to a po box number

just found the agreement from ge money that if they terminate the agreement the amount you would have had to pay to us under the agreemant if it not been terminated less any rebate charges to which i am entitled to and less the net proceeds they receive for the car as i got behind with payments they charged me but i never asked for any rebate so now i can ask them for a sar cant i.As i had paid over a half of the money they would have needed a court order to get it back ,but i voluntary terminated the agreement but they said i couldnt because i was behind with payments but when i got the letter to sign to give car back it said on the top voluntary termination what do i do now please

i had the cca with ge money, now they have sold it to link , i dont have a cca with them so does this mean that the debt is unenforceable

ive not been telephoning link they phoned me.the debt they are chasing is for a car i had on hp i bought the car for £6000 and was paying £210 a month for it when i got into financial difficulties due to being self employed i paid roughly about 28months out of 48 when i got into difficulty and didnt pay for nearly 4 months and ge money said i had 3 choices pay the arrears.give the car back or it will be repossed,i decided to give it back and thought that would be the end of it.then about 2 months later i got a letter saying i was behind on my payments.i phoned ge to find out was going on and they said that they had sold the car at auction and i still owed over £3000 which they thought i would start paying the monthly payment again now i get a letter from link saying sale of debt and they r asking for the full money owed

got another phone call today and told them i would only deal with them by letter and he got a bit stroppy saying that i owed link financial alot of money.the letter i got of them today says on top SALE OF YOUR DEBT. It also says that ge capital bank limited assigned to them the benefit of the debt.as a result of this assignment your debt is owed to us. HELP. Ive sent of a letter asking for a cca.it also says if they dont receive full payment within 15 days we may choose to pass your account to a debt collection agent or solicitor.WHAT DO I DO NEXT.do i wait to see if they send me a copy of the cca which i know they cant as i dont have one with them

do i ask link for a cca thats who has bought the debt of ge money thats what alot of people have said when they have had phone calls from link

i have had nothing from ge to say that they have referred the debt to link until i got call today and they told me they have sent a letter yesterday but havent recieved it yet

hi just had a stroppy phone call from link demanding money from a debt from ge money have they a right to pursue this as i dont have a credit agreement with them its with ge money please help thanks gerrard14

hi can any body help got a phone call from link asking for a debt i owe to ge money and they want the full balance outstanding havent had any letters of them yet.can anybody help how i go about it it sounds like they have bought the debt of ge money have they any right to pursue me for the money when the agreement was between ge money and myself thanks gerrard14