Link and car repo - old Lombard car loan

[sorrylittlelot]

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

[T2upNorth]

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

[T2upNorth]

As a matter of interest, who is the lender?

[sorrylittlelot]

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

[IdaInFife]

send them off

 

ida x

[T2upNorth]

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

Good luck

T2

[sorrylittlelot]

thanks

[sorrylittlelot]

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?

[T2upNorth]

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?

[sorrylittlelot]

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

[T2upNorth]

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

[sorrylittlelot]

they did take it from a public highway

[heliosfa]

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