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bitemarx

Link and old Ford Credit car agreement debt

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Hello again,

 

I am not sure if more than half or more than 1/3rd has been paid off,

but I think I should be able to get this info from the account details on my noddle account?

 

They kept making phone calls,

threatened to send debt collectors to the door, etc.

 

One morning, this thuggish looking guy knocked on the door and said he has the right to enter the premises and take whatever is needed, etc.

I denied him entry and advised him I would ring the police,

at which point he said I can hand over the keys to the car and all will be settled later by the company.

 

I was at home with my children at the time,

and under the stress of the situation,

I dont think I recall being given any paperwork.

 

I handed over the keys, and the paperwork to the car and he drove off.

 

Link financial went totally quiet after that for a long time till they started again with their yearly statement.

 

Edit: I've attched a screenshot

Link.jpg

Edited by bitemarx
Attacing a screenshot

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oh dear you got had then.

 

and that's why ford finance sold it on to Link.

 

sar to ford credit time

 

lets get the truth of what happened..

 

in the meantime

NO phone calls

 

and simply post here if Plink send anything more


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I Think you meant an SAR to ford credit... I have just read through the SAR thread, but I dont know how to PC print my name? :-/

 

Just to confirm, I am now going to send an SAR to Ford Credit; posting the letter to their main registered address.

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thread title says ford finance.

but anyway

whomever you paid.

 

as for PC print

go read the sar link again please..

 

you are sending the sar to the OC

so you must sign it!!


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

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that's ok

 

this could be fun

I hate plink!


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

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Just received something in the post from FORD.

 

Honestly, I cannot make sense of much of it, and unsure what useful info I can uhm glean from all the paperwork they've sent! :-/

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Five pages, excluding the cover letter, original credit agreeement & related paperwork.

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should be lots more than that

 

scan it up to one multipage pdf

read upload


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

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

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The CAG Interest Tutorial Read Here

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done see last post


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

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done see last post

 

Thank you. I was getting round to it...

 

May I ask how I can use this info now?

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Is that everything?

 

Link paid 1358

Have you ever paid them anything direct?

There is no evidence of any court claim there

 

Upload the link statements you have please


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

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Definitely need the link statements

 

Nothing in there about sale

process of repo,d car

Anglia Fees etc

 

Real shame you handed over keys

and paperwork as you had paid 59%

 

Reckon there's going to be discrepancies

between the OCs charge off and links

statements


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oh yes.


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

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Definitely need the link statements

 

Nothing in there about sale

process of repo,d car

Anglia Fees etc

 

Real shame you handed over keys

and paperwork as you had paid 59%

 

Reckon there's going to be discrepancies

between the OCs charge off and links

statements

 

I will look for the correspondence from LINK, but I am certain that the only contact they have made have been to send me annual statements of account. They have also sent some text messages asking me to make contact. (Not sure if I should be admitting to all this on here! :-/)

 

Sorry to ask these seemingly ignorant questions but who are ANGLIA in all this? Are they the company that collected the car?

 

If I had been more on top of things at the time they came for the car, I would have made enquiries with CAG beforehand....however, it was a very turbulent and unstable phase of my life. I loved that car. :(

Sigh.

 

Is that everything?

 

Link paid 1358

Have you ever paid them anything direct?

There is no evidence of any court claim there

 

Upload the link statements you have please

 

I may have paid LINK some token amounts here and there. Not sure about precise amounts or dates. :-/

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ignore plink texts - block them.

we need to know how much you've paid them.

cant you check bank statements?

I bet you paid over the phone via debit card?

 

yes Anglia were the powerless repo agents.


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

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The statement / correspondence I most want to

see is the initial amount link

were claiming when they first purchased

the debt, in addition to what dx is asking

 

Were you ever sent anything to say

how the car was disposed of and the

total price achieved

 

They seem to have rebated you only £396


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I've found 3 letters, one of which was from IDR Finance.

I will scan the letters and post them.

 

I'm attaching the documents that I could find.

 

Fingers crossed these will shed some more light on this matter. :)

docs2.pdf

Edited by dx100uk
docs properly redacted and in one pdf - dx

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docs above properly redacted and in one pdf now

thread tidied


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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docs above properly redacted and in one pdf now

thread tidied

 

Thank you, Dx100uk! :)

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Upload unapproved your name is still showing on page 2 General Order

 

Andy


We could do with some help from you.

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There's a lot of missing information as

to what happened during the period

immediately after Ford sold the debt

 

Really need to get that info


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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I must have been blind

upload sorted


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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