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sorrylittlelot

Link and car repo - old Lombard car loan

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does cca and sar count for car finance?

i had my car repossed 2 years ago and now have aletter saying i still owe 8k


I'm worse at what I do best and for this gift I feel blessed

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Usually yes. If it was a consumer loan, hp etc. then yes. If it was a commercial loan, unregulated, then different rules apply.

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originaly lombrdo and the debt collector is link financial, i remember siging a cca but i dont have any of the baliff papers.


I'm worse at what I do best and for this gift I feel blessed

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OK, well if it was HP/Secured consumer loan then CCA and SAR is way to go.

Good luck

T2

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any ideas if lombardo are good with their records?

i thought that if they seized the car the debt was written off, and why has it taken 2 years for them to write to me?


I'm worse at what I do best and for this gift I feel blessed

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Sorry, I don't know anything about Lombard.

What normally happens is the car will be sold and the proceeds put towards the o/s balance - at least in the cases I've seen.

Have you moved since? Did Link say they were acting on behalf of Lombard or have they acquired the account?

There is a clear set of procedures that should be adhered to in the run up to a repo, do you remember what happened in the time before? What papers were served? What you were handed after the repo?

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i just remember getting a letter but thats all, i was young n naive then lol


I'm worse at what I do best and for this gift I feel blessed

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Well, the CCA and SAR should give you the answers you need, - assuming they can provide them, of course ;)

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they did take it from a public highway

 

You definetely need to CCA them to get a copy of the agreement!

 

Roughly how much was the finance for? and how much had you paid in total?

 

 

Thanks,

H


I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

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Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

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