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Advice on payment to link


ibizasun
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Hello all, New to this so ill try my best


1. I returned hp vehicle to hp company

 

2.£4000 shortfall passed onto link financial for collection

 

3.I agreed to pay x amount per mounth untill settled

 

4. i live in scotland

 

Can i request a cca from link and if so do i?

 

1. keep paying until i hear from them

2. stop paying

 

thank you

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request it and keep paying for now.

 

not got gap or ppi or charges you can reclaim have you?

 

i'm suprised the shortfall is so high though

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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12+2 working days

typically a vt would not have such a large outstanding after auction?

 

pers i'd post up the agreement and history

and ping postggj

 

who are these people anyhow?

 

have a read in the vehicle repossesions forum for info

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no cca no pay

i'm going to get postggj on board

 

do you have the agreement?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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At a guess id say yeah would ave to check for certain tho

 

Iwas told the amount was the differnce between what i had paid and the half way stage

 

aha, got ya. Sounds like you did then :)

 

You're in safe hands here, we'll see you good!

 

Best wishes,

 

Seq.

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there you go then

 

make links day

 

send them a letter stating you did a vt as of s.99 of the cca 1974 and no sums are owing

 

send recorded delivery

 

you will get crap back for a while but ill end this

 

its important you now check your credit file

 

try the free 30 day online trial

 

if link is on there you are in for a ratyher large payday

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Debtor's Termination

Under section 99 of the 1974 Act a debtor under a hire purchase or conditional sale agreement can, at any time before the agreement has ended, give written notice to the creditor to end the agreement. Once the agreement has ended, you have to return to the motor vehicle in a reasonable condition and, if you have paid less than a half of the total amount payable, you must pay the creditor the difference between one half of the agreement and what you have paid. If you have paid more than one half, you only have to return the motor vehicle and pay the arrears at the date of your letter.

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sorry ime getting ahead of myself

 

on the agreement will be a figure inserted , the half way mark

 

if you do a vt of the vehicle, you only have to pay the difference between what you have paid and that figure

 

minus the trade inn value (auction figure)

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have you got a copy of the agreement?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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