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Ford Credit link Financial IDR debt please help
crosssxco posted a topic in Debt Collection Agencies
My husband had a HP agreement with Ford Credit for a van for his business. Last year I lost a job and eventually got DLA after 5 months for a chronic illness (MS). This resulted in cash flow problems. We missed 2 payments but did catch up a bit. Ford Credit lost patience and sold the debt to IDR Finance C/O Link Financial Outsourcing. I have requested to continue paying the instalments (29 left) but insist on the full amount of £10015.72. IDR C/O lINK will not accept payments and will not reply to my letters in writing. I have been given a run around. We have a good business and are surviving, but we need the van as it is a mobile workshop. I am not sure if IDR have bought a debt or the HP contract or whether Link Financing own the debt. They are threatening us wih reposession and baliffs. I also work with my husband. If the van is taken away then we have no income. I have written to IDR on 04/04/13 stating I am going to put a Time Order in the local court. I have also found a way of paying IDR C/O Link through their website - should I continue to do so. Can anyone advise please. Help.
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