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    • Attached. Sorry about the delay.    The first few pages seem to have gone out of sync when uploading. Sorry about that.    As yet no reply from the company to advise of how much the arrears are to release the vehicle.    edit: this is the second load agreement can’t seem to find the first I think it may still be in the car... I imagine it will be pretty identical though except it was £500 convert-jpg-to-pdf.net_2019-10-17_22-19-27_2-compressed.pdf
    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
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STEEKO00

Ge Money and Link Financial

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I wasn't saying not to follow the reclaim route just that in any event the agreement is unenforceable certainly by virtue of not sending the terms and conditions etc and probably because it is an badly executed agreement.

Gives you a second option.

The ppi has to be mis sold to reclaim so a back up plan is not a bad idea.


Any opinion I give is from personal experience .

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I wasn't saying not to follow the reclaim route just that in any event the agreement is unenforceable certainly by virtue of not sending the terms and conditions etc and probably because it is an badly executed agreement.

Gives you a second option.

The ppi has to be mis sold to reclaim so a back up plan is not a bad idea.

 

Touchy!!


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Listen to dx advice on reclaims!!!

 

Thanks Brigadier. I'll send off the forms and see what happens.

Edited by STEEKO00

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Touchy!!

 

Yes it's called flu and overuse of exclamation marks.


Any opinion I give is from personal experience .

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Fletch, apologies the terms and conditions were on the back of the application form.

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Hi,

 

Draft of letter attached for LINK. could be a first, asking LINK for money!!??

 

Steve

Edited by STEEKO00

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Your name is shown on the letter.


Dont let the parasite dca's prosper

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Attachment unapproved


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1. Single Premium PPI Q&A Read Here

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Hello,

 

Here is a response from Link regarding the complaint, seems I'm getting nowhere here.

 

Steve

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let them argue with ge then

 

you've provided evidence the debt is totally made of PPI/Penalty charges

 

so time to ignore link for now.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi,

 

Quick update. Haven't heard from LINK since the complaint, not even a phone call or text!

 

Sent a complaint to the FOS who will look into GE Money for the charges as LINK did not add them originally.

 

They responded very quickly to the application and have been very proactive so far....

 

FOS cant do anything about the PPI as its pre 2005 .

 

I even used a couple of the online PPI claim companies as a last resort and they sent the paperwork back as they don't think its a case they can win.

 

So will wait and see for the charges for now.

 

Steve

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many ways to get GE PPI

 

who were the underwriters

and WAS IT ge money ...or another company?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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