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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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lightup v link and ford credit repossession of vehicle


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hi

i wonder if somebody could advise

 

i had an agreement for car with ford credit

i got behind with payments

i have paid over a third so they need court order

 

they have passed debt on to link fs who at first accepted £40 per month

 

link have asked for more money

it turned sour now they are demanding car back and threatening to go for court order in 2 weeks

 

the orriginal dn was served by ford,

link have not been assigned

they said we defaulted on the £40 arrangement which we didnt

 

then sent copy of dn served by ford

 

can link get po order or does it have to be ford?

thanks

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I am sorry, I dont know the answer to your question. Just giving your thread a little nudge. :)

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks

 

anybody out there

just tried to phone link they were horrible

 

ust said we will take payments of £250

then no we wont go see a solicitor we are comming to take the car.

Edited by citizenB
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lightup, I will see if I can find someone to advise.

 

Ummm, you shouldnt ever phone a DCA.. especially Link. :(

 

I have also changed your title slightly, it might bring in more advisors :)

Edited by citizenB
amended title

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This is just intimidation to make you pay more - they are greedy barstewards. I would call their bluff and tell them to take you to court as no court will ask you to pay more than you can afford. You paid the £40 regularly so that is proof in itself of your willingness to pay. Ask them outright - by letter - if they have bought the debt or are acting as a collection agency for Ford. You could also ask for a copy of the agreement to check if it is in order - they would have to produce the original to court.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Scroll down to Letter "N". Enclose a £1 postal order and send by recorded delivery. Print, don't sign, your name and send to Link.

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then sent copy of dn served by ford can link get po order or does it have to be ford?

thanks

 

The answer depends on whether the debt was properly assigned to Link or not - it hardly ever is. If Link take you to court you will have a very strong defence

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thanks

link say they are managing the debt

 

i will see what they come back with the full and final settlement and how long they will let me pay it

 

they are a very nasty firm

 

they said they would take a charging order on my property and

 

they did for a credit card debt

 

the judge gave it to them despite my best efforts

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just to let you know guzleguts

 

i have got the orriginal agreement from ford

 

it is all blurred

 

i asked a legal bod and they said it wouldnt matter who had the debt as it would be a solicitor who sued and they are allowed

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My DN has a late letter fee applied to it which i think would make invalid.

Link have been assigned the debt but i have had no NOA served on me!

 

And i think they are going to serve court papers next week, they will not listen to any proposal's i put to them.

 

GG

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Is there any chance you can scan up some of these documents please, there are some very astute people on this site who will be able to establish where you stand in the matter if you can?

 

Don't forget to blank out anything which might identify you.

 

Is the agreement enforceable will be one of the primary things to establish, valid DN's and NOA all play their part in proceedings too so it's better to know exactly what they've got.

 

Strictly speaking the legal bod is incorrect, it matters a lot who it belongs to. The solicitors will bring the case but as representative of the claimant.

 

The claimant might be either the OC (unlikely) or Link Financial.

 

Link can only bring the proceedings themselves if they are the owner and have full title.

 

The DCA's often cannot produce documentation to substantiate this fact.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Had a similar problem with link

 

send a cca request to establish if they have the right to collect on this debt

DO NOT SIGN ANYTHING that you send to them.

 

If after the statutory period they have not responded

the debt is in formal dispute and that will put a hold on any action.

 

They will probably send you a letter saying that they have to get the agreement from the original lender and that it may take some time,

 

meanwhile look through the threads on here and get as much knowledge as possible.

 

They are a bunch of lying scheming barstewards,

 

I went to court 5 times with them because they didnt comply with legislation

and despite me admitting part of the debt

 

I still got to pay what I agreed and a reduced sum because they couldnt substantiate their figures.

 

The people on this site will help you all the way so keep your chin up.

Dont let the parasite dca's prosper

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