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Today i received an email from Experian stating that Link now say the default is accurate. Link's response to Experian is as follows; "The account was originally defaulted by FCE Bank PLC and assigned to Link Financial Limited on 13/03/2020. As this account has been assigned to us with a default date, we are required to continue reporting the original default as informed by FCE Bank PLC. We can confirm that the data reported by Link to the credit reference agencies is in accordance with the information received by FCE Bank PLC when the account was assigned to LInk Financial". Link still have not communicated to me in written form anything about this debt, other than how much they want & where to pay it to. Experian then go on to say they can add to my notice of correction the following; "The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data". Or alternatively, Experian say I can add my own statement to this information, up to 200 words. What is the best route forward now? Many thanks.
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A 2226b eh? You can't beat the old style dials, meters, and knobs! Digital displays are often so boring! I have the SAR now. I suspect they already had a buyer lined up for it. The car was advertised on Manheim (Manchester) auction website. There's a sheet with CAP valuations in Feb for CAP Clean £12,000 & CAP Average £11,350. In the next box down dated 7/2 it says reserve amount £11,600 and bid amount £12,550 Another sheet has my direct debits listed on it until Dec 2019 then numerous different transaction amounts. One of which is 'Sales Proceeds £12,433.60' which I assume is the actual sale of the car via auction?
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The agreement was for 18,000 miles per annum, I had the car 31 months. Someone has done some handwritten 'calculations' on one of the enclosed sheets, which says "mileage allow = 46,500" "1,500 x 31months". And on another sheet it has "Actual mileage 51,607, Excess: 5107 miles", which could give this figure of 46,500 (as the mileage on collection day was 51,607), but I can't understand where this 46,500 actually comes from, or am I missing something here? So Ford can just come up with spurious charges, put defaults on my credit file, sell on the non-existent debt, and just walk away, leaving me to spend hours sorting it out? Am I to just ignore Link forever more, or will they eventually just stop bothering me?
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Update on this for you: Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever. At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report. The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata. As ever, any advice or comments most gratefully received as to how to proceed. Thanks.
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The guy who collected it gave me a sheet with all of the boxes on it ticked 'fair', and that was it, away he went. I've heard nothing then, or since about any damage, or anything else for that matter! I've got plenty of photos of the car before it was collected, and I also have screenshots of the entire internet listing when the car was subsequently put on Manheim's auction website.
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