Advice on payment to link

[ibizasun]

sorry about the triple post, yeah you mean the orginal when i took out the agrement

[ibizasun]

Anyone ????

[ibizasun]

debt collection company are chasing me for just over £3000. this was for a shortfall when i vt car hp(ford credit) i agreed to pay set amount every month and hace paid them om time since.

 

I want to make a full and final offer,

 

1. how much should i offer

 

2. how should i word it

 

3.i have not requested cca (should i)

 

any help appreceated

[postggj]

with a vt under s99 the trade-in value of the car is not relevant.

 

The op will be liable for their payments up to the 50% point.

 

thanks

 

thats me jumping the gun again and not reading the thread properly

[sam614]

would request cca first.

see if that arrives,and if it is enforcable.

 

most dca's will offer a settlement when they fail to produce,better bargaining power for you.

[dx100uk]

yes cca first

 

i'd also look at reclaiming first too

 

unlawful charges/PPI

 

dx

[sequenci]

thanks

 

thats me jumping the gun again and not reading the thread properly

 

No worries, I do that all the time (speed reading thousands of posts is no mean feat!)

[ibizasun]

Thanks guys

 

There are no other charges to reclaim

 

so is just a case of sending in a cca request and keep paying the agreed amount

 

id be grateful if someone could write up a sample letter

 

Cheers for answears

[dx100uk]

look in the library top left tabs

 

dx

[ibizasun]

Found the template thanks

 

Just to be sure is the cca law the same for scotland as anywhere else i.e. does the letter have to be adjusted because i live in scotland.

 

Also is there a chance the dca might demand full payment then move quickly for a court order for

1. just because iv rattled their cage

 

or

 

2.They have the required doc

[dx100uk]

2 threads merged and moved here

 

dx

siteteam

[dx100uk]

the cca is the same.

sent it with a blank £1 PO

and don't sign the letter

 

dont worry about what might happen at this stage

they wont go near a court anyhow.

 

dx

[ibizasun]

ok, thanks ill update when availale cheers

[ibizasun]

Is ther any point requesting a cca if the orginal agreement has been terminated( i mean i did a vt)

[dx100uk]

well you could SAR but CCA is cheaper

if they wont do it

then p'haps CCA

 

dx

[ibizasun]

Wot would i be looking for in the cca or the sar, i mean if the aggrement has been terminated is ther stil anything i can do

[dx100uk]

you need to post up the agreement

if you have not got it

then cca them for it.

 

dx

[ibizasun]

Ok thanks for your help

 

Is there a way i can find out how much they bought the debt for?

[dx100uk]

doubt it typ

 

dx

[ibizasun]

Good profit for them then

 

I just read on nother thread that a judge will still enforce a cca with signature on application form just curios is this correct

[dx100uk]

as long as the 'recontructed cca' or the app form contains everything that is needed, inc sig

then there is that chance

 

dx