Alright lets wait and see if madge manages to get any money back for any £25 charges she might have had. If you think shes going to be able somehow get her debt wiped im sorry but clearly you reside within another atmosphere. Dont see why she woukd want to hit anyone when she was given finance directly by yhe mazda. im Sure shes got better things to do. MADGE?

Can we just clarify what madge will gain by doing this at this point fresh out of court having agreed to pay? As if mazda wouldnt have put a clause titled something along the lines of consequnces for late payment in the agreement? What waste of time.. SHES NOT GOING TO GET ANY MONEY BACK

Btw the way madge, they can still file a ccj for a shortfall after repo and auction sale.

What planet are you on? Why would she waste her time asking for a sar spending another tenner. Link havnt charged her any fees. Just accept the fact after all these years shes got her srog, agreed the money is owed, and started paying for the car she obviously likes. Madge, good luck keeping up with the payments!!

how did you get on today?

Let you be the judge on that one madge, the fact that the owner is a millionaire and wants build a house will have absoulotly nothing to do with your hearing, good luck!

good idea, would do as much as you can, you can show the judge then that you never got a reply from link, and you wish to pay for the car

Forgot to mention im in the same boat at the moment after having only just returned to work after a couple of month off, have noticed you can pay on there website any amount using any sort of card and you dont have to speak to them

I apologise in advance if if sound abrupt i have a lot experience in this field haviing worked in the collections department for a premium brand car manufactuers finance office. You dont have a defence as such, you just need to make a payment now! Have you been provided with a hearing date? are you able to attend? The thing in links favour is that its been years since you paid , regardless of whether you contacted them or not, they advised you of there intentions and they gave you sufficient time to pay as you offered, and you didnt pay anything at all. I think your best course of action is to decide carefully if the car is worth the money left outstanding? Good luck with your time order, not sure if youve sent it yet but if its turned down you may be liable for court fees in the event of a hearing. All is not lost though, as long as you attend the hearing and show your ability and desire to pay, you can ask the court to suspend any court order they make for returning the car. Word of warning though, this is called SROG (suspended return of goods order) and if you dont pay exactly as the agreement thats made with court and your so much as a day late, you are in breach and the car can be recovered immediately. One strike and your out. Good luck!

When was the last time you made a payment?

There will always be a shortfall on an insurance settlement for a car on CP if there is a balloon payment at the end. This is what GAP (guaranteed asset Protection) is for. regardless whether or not if this wasn't offered when you took the car, you will have signed to say you didn't want it, unless it was not available, so unfortunately you will be liable. I know its a bstad and I used to see this all the time.

You can only VS on a live agreement, because the agreement has been termed, you cant unfortunately do this anymore.

Hello, I read through this thread with great interest, I worked for the aforementioned company for four years in there collections department in Milton Keynes. I no longer work for them so am impartial. I know there agreements inside out, and dealt with fraud and passing accounts for termination. You need to be aware, as a luxury brand, mercs are a target for lots of dodgy customers, especially from abroad. I used to regularly send out letters to any customer that I felt was a bit iffy or something was not quite right. This was known on Mercedes Database as a "Vehicle at risk" letter. Basically it read like this "We refer to clause blah blah blah. You should make the vehicle available for our inspection or withdrawl at any other time we fell ness." This clause forms part of the T and C`s off all MB,. Smart, and dodge chrylser agreements Dodge over about 3 years ago) Because you refused to hand the car back, you broke the terms so regardless of all the direct debit bollocks, they can take the car from you, but it sounds like you have hidden it? if you are driving it around, it will at some stage soon be recorded on the ANPR database (when the bloke gets round to filing the report which takes him all day) and you WILL get pulled over, it will then be stored for BCA to come and pick it up. You best bet is to get your mum to ring 01908 245000 get her to speak to the manager of the collections department (naming no names, and don't tell him I told you to ring him), plead your case. If you have maintained payments, tell him that the dealer agreed with everything. Offer to meet with him at Milton Keynes with your mum if ness. If you cant do this, or your mum cant get on the phone, they wont want to know I can assure you. If you having been keeping up the payments, expect to lose the car anyway, and well done for buggering up your mums credit rating.

Exactly the same thing has just happened to me. I had a BASIC (flexaccount) with nationwide up until around 2008. there was no overdraft, no borrowing facilities at all, no debit card. i remember there were a number of times i was getting unpaid dd charges, when i had instructed the bank to cancel them online. When i noticed this the second time, i stopped using the account and wrote to the bank to dispute the charges asking for them to be refunded, and making an SAR. They wrote back with all statements etc, saying they wanted to wait for the pending OFT court case. After the case concluded, they sent a further letter telling me to swivel. I did not pay the last £35. About a year later, I recall nationwide writing to me to say the account was being closed. Then this year they have used some mickey mouse threating debt letters to request payment of £343....and put a default on my credit file. I think this is wrong, because I should never have had the fee in the first place, and if I had no credit with them, they should not be allowed to put date on my credit file. I have raised a dispute online with equifax and will update the outcome