Link chasing Volvo (previously Mazda) finance - now claim form*** Claim Suspended***

[Madge67]

No that's fine honestly, I thought it may be the case.

 

 

I will apply for the time order now.

 

 

Does that need to be in by my defence date i.e Friday .

 

 

Do I have to tell them I'm not defending or just send in the time order forms?

[AndyOrch]

Yes Madge...sooner if possible because you are using snail mail by completing the N9c...just follow the instructions as provided in the link.

 

Andy

[jasminedog01]

I apologise in advance if if sound abrupt

i have a lot experience in this field haviing worked in the collections department for a premium brand car manufactuers finance office.

You dont have a defence as such,

you just need to make a payment now!

 

 

Have you been provided with a hearing date?

are you able to attend?

 

 

The thing in links favour is that its been years since you paid ,

regardless of whether you contacted them or not,

 

 

they advised you of there intentions and they gave you sufficient time to pay as you offered,

and you didnt pay anything at all.

 

 

I think your best course of action is to decide carefully if the car is worth the money left outstanding?

 

Good luck with your time order,

not sure if youve sent it yet

but if its turned down you may be liable for court fees in the event of a hearing.

 

 

All is not lost though, as long as you attend the hearing and show your ability and desire to pay,

you can ask the court to suspend any court order they make for returning the car.

 

 

Word of warning though,

this is called SROG (suspended return of goods order) and if you dont pay exactly as the agreement thats made with court

and your so much as a day late, you are in breach and the car can be recovered immediately.

 

 

One strike and your out. Good luck!

 

 

Hi Jas,

 

 

I think about 2011 or 2012 - it would have been nominal payments though.

 

 

I did try to engage with them in writing but they ignored my letters and just kept threatening.

 

 

I have letters and P/O recorded delivery receipts to prove it.

 

 

I offered them 100.00 pcm at one point which they ignored.

 

If all looks okay with the paperwork they have sent then the main thing is we want to keep hold of the car and make payments we can afford.

 

 

Madge

[jasminedog01]

Forgot to mention im in the same boat at the moment after having only just returned to work after a couple of month off, have noticed you can pay on there website any amount using any sort of card and you dont have to speak to them

[Madge67]

Hi Jas

 

 

Thanks for this, I appreciate your thoughts and sharing your experience. I have sent the time order and told them why we haven't been in contact (I lost my little girl in 2013 so as you can imagine we've had a very traumatic time). I have requested that we can keep the car and make regular payments. I just hope they understand and have some amount of sympathy for our situation.

 

 

My hearing is 28th Jan. I get what you are saying about the car being worth what we owe but Link are asking for both the car and the balance.

 

 

I'm going to make a payment today - thanks for that advice. I was waiting until they agree or disagree. Naïve of me really

 

 

Again thanks for your help

 

 

Madge

 

 

xx

[jasminedog01]

good idea, would do as much as you can, you can show the judge then that you never got a reply from link, and you wish to pay for the car

[dx100uk]

I think I would agree pay too

if it was NOT link my money was going too

 

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-Kensington

 

 

dx

[jasminedog01]

Let you be the judge on that one madge, the fact that the owner is a millionaire and wants build a house will have absoulotly nothing to do with your hearing, good luck!

 

I think I would agree pay too

if it was NOT link my money was going too

 

 

dx

[jasminedog01]

how did you get on today?

 

 

Hi Jas

 

 

Thanks for this, I appreciate your thoughts and sharing your experience. I have sent the time order and told them why we haven't been in contact (I lost my little girl in 2013 so as you can imagine we've had a very traumatic time). I have requested that we can keep the car and make regular payments. I just hope they understand and have some amount of sympathy for our situation.

 

 

My hearing is 28th Jan. I get what you are saying about the car being worth what we owe but Link are asking for both the car and the balance.

 

 

I'm going to make a payment today - thanks for that advice. I was waiting until they agree or disagree. Naïve of me really

 

 

Again thanks for your help

 

 

Madge

 

 

xx

[Madge67]

Hi guys

 

 

Just to update you - We got a suspended order so we get to keep the car as long as we keep to the payments we have offered.

 

 

What confuses me is that if we fail, they get the car, it doesn't mention anything about the outstanding balance. I'm beginning to think that what Jasmine said about the car being worth what we held some weight

 

 

"I think your best course of action is to decide carefully if the car is worth the money left outstanding?"

 

 

Not that it makes any difference really, we want to keep the car anyway

 

 

Thanks everyone for your help, I'll be making a little donation to this wonderful site to show my appreciation

 

 

Madge

 

 

xx

[AndyOrch]

Thread title amended..I assume you are happy with the outcome Madge ?

 

Regards

 

Andy

[Madge67]

I am indeed Andy - We got to keep the car

 

 

Thank you for your help everyone

xx

[dx100uk]

how about an sar now to the OC?

anything to reclaim penalty fees - letter/debt management/phone call..fees

[jasminedog01]

What planet are you on? Why would she waste her time asking for a sar spending another tenner. Link havnt charged her any fees. Just accept the fact after all these years shes got her srog, agreed the money is owed, and started paying for the car she obviously likes. Madge, good luck keeping up with the payments!!

[jasminedog01]

Btw the way madge, they can still file a ccj for a shortfall after repo and auction sale.

[dx100uk]

nothing to do with link

the sar goes to the Original creditor

[jasminedog01]

Can we just clarify what madge will gain by doing this at this point fresh out of court having agreed to pay? As if mazda wouldnt have put a clause titled something along the lines of consequnces for late payment in the agreement? What waste of time.. SHES NOT GOING TO GET ANY MONEY BACK

[renegadeimp]

Less of the attacks please. If any penalty charges were levied then they can be reclaimed from the oc. Link and the court action they brought has NOTHING to do with it.

[dx100uk]

they are an unlawful penalty under fca rules and guidelines

no matter what any t&C's say

they can be reclaimed and challenged.

 

 

and a totally sep issue from any court case by anyone.

 

 

could be used by the OP to help pay off link

 

as there must be something up for a big multinational company

to sell a debt off to the biggest fleecers in the business.

 

 

sar time

fine toothed comb time

 

 

find out why it was sold

hit back.

[jasminedog01]

Alright lets wait and see if madge manages to get any money back for any £25 charges she might have had.

 

 

If you think shes going to be able somehow get her debt wiped im sorry but clearly you reside within another atmosphere.

 

 

Dont see why she woukd want to hit anyone when she was given finance directly by yhe mazda.

 

 

im Sure shes got better things to do. MADGE?

[dx100uk]

who said wiped?

 

 

dx

[Madge67]

Hi everyone

 

I've only just checked back here and seen your posts following on from my last one.

 

There aren't any charges for us to claim anyway folks - we paid on the dot every month until the agreement ran out.

 

 

Then we couldn't afford to hand the car back with the excess amount they were charging

and they wouldn't let us have another agreement with another car.

 

 

When it got to link the only charge they popped on was the legal fees of £200.00.

 

Thanks for raising it though

 

 

Madge xx

[AndyOrch]

Many thanks for your response Madge.

 

Andy