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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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Link Sold Car finance from Ford Credit - Link got ROGO - repo'd by fake bailiffs - anglia recovery.


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because of your recent uploads

this contradicts everything we thought

had happened before

 

The only way of getting all the facts is

via the SAR

 

its already pretty apparent that link

have added many charges just for starters

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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there is no law that allows the addition of any charge which is nothing more that a penalty

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 double negative there..

there is no law that allows the addition of any charge which is nothing more than a penalty...

so must by definition....be unlawful.

read the OFT/FSA...now FCA ruling some years ago.

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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Link cant add anything anyway...they are the assignee...not the creditor...just a debt collector...the agreement was terminated when they bought it for 10p in the £1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 9 months later...

ok so what has happened since the order was made

have you been paying

update us please

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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I don't remember much to be honest, because I have been juggling quite a few debts!

I may have made one or two payments towards it in 2013 or 14. Nothing since. The car was taken away in 2014 or 15 by a third party company (couple of tattooed thug-like gentlemen came to my house and almost pushed themselves into my hallway!), with no paperwork left behind.

I spoke with LINK regarding this, but they denied knowledge.

I have not contacted LINK since then, but they have sent me yearly statements which I have ignored.

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have you continued to pay link to date?

 

posts crossed.

this CCJ will vanish from your file on its 6th birthday.

so wont present you with any credit issues after this date.

yes they COULD chase you and enforce it even after that datepers id not do anything leave this till LAST or see what happens nearer june next year

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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sorry I didn't read the whole thread.

 

if this is not showing on your credit file [and if you had a old address this is shown in linked information]

AND

you've not moved since taking the car out

AND

you've checked TOL for the relevant address and it shows nothing

 

then the debt is statute barred..as 6yrs have elapsed since last payment by YOU...GORGET ABOUT IT.

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

are link aware of the address change?

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

Sorry, I hadnt seen this question.

 

LINK are presumably aeware of the address change since they have sent me account statements at my new address.

 

Do I need to SAR FOrd Credit now?

 

Is there a way to tell from the docs LINK have sent, to find out when the debt defaulted? :!:

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link will not tell you anything ever.

nor allow anything they send to give you clues

crafty lot always have been.

 

but its dead now so forget about it.

 

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

Not questioning you, dx, but how do you know it's dead???

 

They definitely have not filed a ccj.

And as for default, my Noddle report doesn't show this debt at all!

 

Just need a sure answer so that I can strike this debt off my list.

Edited by dx100uk
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you can sar FC yes why not its free!!

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

from post 21

I now have £3533 outstanding on my Link debt, and the account defaulted in deecmber 2012.

 

that's now dropped off

cant comeback

you've made no payments since then

statute barred

 

dead!!

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

no need to now its dead

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

  • 2 weeks later...

unlawful repo by the original creditor as you'd paid more than 1/3rd

they didn't get a return of goods order which they should have done.

the supposed CCJ wasn't this debt.

 

pers id ignore link

it cant be statute barred sadly as you say you made payments within the last 6yrs.

but its not on your credit file

its not harming you.

 

IF they were stupid enough to do court...then the fact the car was taken unlawfully against CCA HP rules it would blow it out the water.

 

now if you wanted to be cheeky

you could

SAR the original creditor

sar LInk.

check we have all the info we need

and YOU could possible get the agreement voided and get ALL your payments back & payment equalling the car in todays market.

 

up to you...

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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