Thanks for that I could not seem to find that when I looked

we are moving house in the next two months and I am not sure what to do about DLA and carers allowance do I just inform them of the new address or do I have to make a complete new claim. Thanks

The Judge said to many irregularities in there case and not enough evidence to say what vehicle they had the debt for. Leaves us wondering now what do we do, can we sell the car if we do what bill do we pay off as the only agreement they have is for the wrong vehicle not the one we have now

Went to court today and made our defence and the case was dismissed, any idea what is open to link now

hope the above statement is ok as it needs to be posted to the courts tomorrow, as for on-line I tried and it needed a password and account number that should be on the N1 well I have the number but no password.

okay I have written a statement of defence below is what we have wrote is it any good for court September 25th 2008 Statement of Miss On the 24th July 2008 I wrote to Link Financial asking for a copy of the Credit Agreement No: 194***** under the Consumer Credit Act 1974 (sections 77-79) (copy enclosed). A response was received from them with a copy of an agreement numbered 194***** on the 29th July 2008 (copy enclosed), this agreement was signed by me but related to a vehicle registration number BJ 05 ***that is now back in the possession of Land Rover. The letters I have received from Link Financial refer to a vehicle registration number BG 55 ***, the termination notice of 21st July refers to agreement 194***** (as above) and the said vehicle on that agreement is back with Land Rover. Link Financial have asked for possession of vehicle number BG 5***in their Termination Notice (copy enclosed) I have since written to Link Financial asking for them to supply the correct CCA as per the Consumer Credit Act 1974 and as yet they have failed to do so. Therefore I am holding this account in dispute under Section 77-79 of the Consumer Credit Act 1974 until such time as the correct agreement is received. This is a true copy of the situation as it stands today 25th September 2008. Full account details and reg numbers removed for forum.

yes I want them to either take the vehicle back as full and final settlement (which they wont do), or admit they do not have a agreement and give us the chance to make a private sale.

Particulars fo claim are An order for specific delivery of goods and monies due under an agreement. Date 4th September

No I have not acknowledged the claim on-line yet as I do not how to. The claim is as follows we brought a vehicle from Land Rover with a Balloon payment at the end of it or a guaranteed buy back price, due to redundancy we went behind by two months with the payments as the insurance company neeed paperwork to pay out. Link took over the case as soon as the final payment date came about and demanded eith more payments of £300+ a month or reposseion ( no buy back was offered), I asked why we was not allowed to return the vehicle to Land Rover for the guaranteed buy back and was told "we have brought your debt as you was late with payments". I immediatley asked them for a CCA and they sent one out this was for a incorrct vehicle that we had already returned to Land Rover. I pointed this out to them and asked for the correct agreement and they do not have or cannot find one. This morning we received there witness staement and a copy of the incorrect agreement which has been submitted at court.

I have been working on my partners debt with Land Rover now passed to link financial, I asked Link for a CCA and they sent us one but with incorrect details and dates on it. I asked them for the correct CCA for the right vehicle and the right dates and they cannot supply this. There are now taking it to court using the incorrect CCA as evidence, I have spoke to there litigation guy (Stephen Ross Thomas) and he says there are going to take her to court and if they have the wrong CCA they will go for a money setllement. What should I do and how do i file defence. Please

Okay just starting to get my head round this a bit, according to LR we defaulted in Sept 2007 (this was due to the PPP insurance paying late). we are now fully up to date on the whole agreement The HP agreement I have is the original one form LR and we was due for the buy back in July this yr. Link are now saying I can hand the vehicle back to them and they will auction it (at a lower cost than we owe) or we can keep paying the same amount we did before and keep the car (this was never an option with LR). This morning I received 5 phone calls from Link one after the other, despite me telling them I only wanted to correspond by letter. They are threatening me with all sorts including repossession and court action all I want is the car to be taken for the original price which leaves us without any thing left to pay. Any ideas how to deal with this would be welcome

okay I will keep posting any responses from them even though I seem not to get answers I just hope someone can help me, I CCA Link and got back the original agreement from Land Rover and a copy of a letter stating that the account would be defaulted and that this would cancel/terminate or repudiate the original agreement. does this mean anything important I can post copies of all if needed.

Ok I asked why they was not upholding the original agreement and was told they had brought the debt off Land Rover, and so that agreement was invalid should I now send them letter N as per the copies on this forum. If I do that what can i expect from them.

I would like them to buy it back at the agreed price so that we do not owe anyone any money and can carry on.

We purchased a new Land rover over 3yrs ago under LR's own finance, this entailed a deposit 3yrs payments and a final balance. During the last 12 months we was made redundant so the insurance company took over the payments due to a problem with paperwork they paid two months late. When we came to the end of the agreement we found out that the debt had been transferred to Link who have changed the original agreement and want us to either continue payments or to pay balance in full or return the vehicle and they will auction it off. The price should we return will be a lot lower than the outstanding balance and also lower than the agreed buy back from LR anyone got any ideas please. Peter