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bitemarx

Link and old Ford Credit car agreement debt

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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...


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This is very tempting.

I will start the process, although I'm guessing it will be months before anything happens!

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Dx100uk, Do I need to SAR Ford credit again? Or just LINK?

 

Also, how do I proceed after they reply to the SAR?

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Read post 77


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I have read it. Just wondering if I need to SAR ford credit again, because would it give any more info than I already have?

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cant hurt.....


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Just sent off the SAR to Ford Credit and Link by First Class Signed for post. Hoping to hear from them within a month.

*fingers crossed*

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Update: Received DSAR documents from LINK this morning. I'm in the process of scanning the docs up. Would someone be able to help me look at all this, please? I cannot make sense of much of it, tbh.

 

Also, what info do I need to mask off on the documents before I upload them here? There are quite a few sheets (double sided) of this stuff, so I'm wondering how I will attach all of it!

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Read upload

Anything that can I'd you ref no's etc

One pdf please but jpg first and redact each sheet first then merge to pdf


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Almost done redacting all 67 pages scanned!

Just thought I'd ask how much of this stuff is relevant. Or shall I upload everything (as a handful of PDF files, of course)?

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I've attached the scans.

I hope someone can make sense of this, and spot anything of value. Thanks!

link sar.pdf

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40 Mb of uploads

merged

properly redacted

rotated

and reduced to


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.

 

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sadly the sar rather blows some of the information here previously posted out the water …

it wasn't the OC that repo'd the car

it was the current owners Link.

and they got and had a return of goods order.

 

they also got a money order for the remaining balance but it doesn't look like this has been furthered and there is no CCJ.

the ROG was suspended

later re installed

later set aside.

later attained again in dec 2013.

 

link now have the correct address so you'll know if they do anything.

payments have been made within 6yrs.

 

they don't appear to be chasing.

 

notes from link SAR:

 

page 25 last payment after sus ROG...9/7/2014

 

the ROG remains suspended.

link have not returned to court.

 

next move is not yours


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Thank you. I tried to reduce it to a small size! :-/

 

What would LINK's next probable move be?

Edited by dx100uk
merge/quote

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I would think theyhave given up.

its been years since they've demanded you pay anything?


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Single Premium PPI Q&A Read Here

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Yes, it has.

However, they send me annual statements. Am i correct in thinking that this debt stays on my file till 9/7/2020 ?

 

Strangely, the debt (default) does not show up on any credit report.

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It wont

Remember..the default is +6yrs old


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Single Premium PPI Q&A Read Here

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Best to assume the worst case scenario, and keep money aside for this, since they can go to court anytime before July 2020?

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they 'could'

but the debt should not be showing on your file

it was defaulted more than 6yrs ago and cannot return


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

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they 'could'

but the debt should not be showing on your file

it was defaulted more than 6yrs ago and cannot return

 

It doesn't matter if the original Default date was 6+yrs ago and has dropped from his credit file, it goes from his last payment date. It just means other Creditors will not see the debt exists on a credit search.

 

The main crux is if his last payment was 09/07/2014, then the debt is not Statute Barred until 09/07/2020 as he states, so can still be enforced up until then.

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haven't said otherwise...

my post was in relation to if its showing on their credit file

earlier the OP stated it wasn't ..now they appear to indicate otherwise or are confused.


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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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Received another Annual Statement from LINK this morning. 

 

Question: If LINK go to court with this,  can they get a claim on my current car to satisfy the debt?? 

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No whatever made you think that?


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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Just phrases like Attachment of Earnings, etc. :-(

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