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    • Not really. The signs have to go where they are practical. Every single yellow should have a time plate, and the motorist has to look for it - you can just say you couldn't see it. If it's there, and I assume the CEO took a photo of it, then the driver has neglected his obligation to find out what the restriction is before parking.   The only way you might be able to argue this is if the sign is next to a separate stretch of yellow line - eg, separated from the one he parked on by, say, a road junction or a parking bay. Every individual stretch of line needs its own sign.
    • You haven't told us anything about the vehicle in terms of the make model mileage – price paid et cetera. Also where was it advertised and what the advertisement say? On the basis of what you have told us, you should have no problem asserting rights whether or not you are dealing with a trader or a private seller. However it would be helpful if it was a trader – and you say that it is and that you have evidence. The problem is, whether they trade. Do they have any seizable assets? You obviously dealing with somebody who is going to be very slippery even if you get a court judgement against them. Do you know where they live? Do they and their own property? And I suppose it won't be much of a comfort to you but it may be instructive to others when I say that you have managed to acquire all this evidence – but what a shame you didn't go about this before you parted with your money rather than afterwards.
    • Brillliant reply from Caroline Voaden MEP on Twitter.   Who will hold these people to account asks @june_mummery ? She has also asked if she can come back to attend fisheries com mtgs. Thing is June you wanted to leave. You wanted us to have no voice here, to go it alone. You all crow about your ‘win’. This is what it means. Well done
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    • June Mummery, a Brexit Party MEP, has just woken up to the fact that leaving Europe gives us less control over fisheries. From her Twitter feed.   Attending the penultimate session of the #EuropeanParliament’s #FisheriesCommittee #PECHcommittee) with #BritishMEPs. The big question now is, who will be here to hold these people to account while they still control Britain’s waters, but the UK has no representation?
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I had credit card with saga,they no longer deal with allied Irish bank so they have sold the card.They are now using a debt management company to collect payment.

the information has been appalling.No longer can we pay minimum payment or just above.

They treat is as a fixed payment.

 

For example my monthly payment this month 115.00 they suggested 200.00.Also they class this as an arrangement to pay and have sent I and e form.

i have never missed a payment or been late but now fee, they think I cannot afford my finances.

 

What are my rights can anyone enlighten me please

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you mean its been sold to a DCA.

who

when did you take the card out please?

 

 


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Sorry naive on links etc how would I provide a link 

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It has been outsourced to link financial they are a DMC  

They seemed surprised when I refused income a d expenditure and that the account is  not in arrears. Saga just happened to stop dealing 28 th March 2019 day before Brexit.

To top it all I they said they would,d collect the last payment to them 29 May 2019, my due date is 5th so I called them 3rd June said I hadn't heard from new company and didn't want to be recorded as missed payment. They refused the payment stated I needed to wait for contact then marked me as overdue payment. That cant be right.

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why do you need to link something?

 

answer post 2 q's please


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stop calling a powerless DCA!!

 

they are not bailiffs

when did you take this card out?

did you get a notice of assignment?

 


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No notice of assignment just a letter saying they were stopping their dealings with allied Irish bank.

 

Took card out about 6 years ago

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so how come link have gotten ahold of it then?

 

sounds like saga has sold your debt to LInk 

they are a debt buyer

have you any letters from link at all?
 

 


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And they have zero rights to be demanding anything from you. The only people legally allowed to ask for an income and expenditure sheet from you are the courts, council tax or HMRC. Certainly not some jumped up call centre like Link Financial.

 

That is why you should never ever speak to them by phone, their agents have training to intimidate people into making commitments that are not in your advantage, and they have no legal right to be doing.

 

 

 

 


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Did Saga terminate the agreement ?


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If I can explain,

Our Saga credit card has run as Normal.

Saga used allied Irish bank.

 

Saga sent a letter in January saying as from 28 March 2019 they would no longer be using Allied Irish Bank and that they would no longer be servicing the card.

At that time they did not know who they were handing the card over to.

 

After many telephone calls to them we received a letter middle of May 2018 stating it had been sold to a company LRC who use an out sourcing company to collect payment. They said the last payments that SAGA would collect would be 28 May from then on we would pay the new company.

 

I called Saga and asked how to make my payment as it would be due on 5 JUne 219.

They said wait for the new company to make contact as the new company would be taking over the payments from 11 June 2019.

 

I pointed out that this would make me behind by 5 days, I was told not to worry it wouldn't go against me.

Then I get a statement 2 days later with a missed payment on.

 

I called again and was line was dead I called the main Saga line.

I was given the number the new company which I called.

 

This was apparently Link Financial who went straight down the route of DMC saying they could make a payment arrangement.

I was indignant said NO not a payment arrangement I just want to make a normal payment, I was not in arrears or missed payments.

They took my monthly payment then told me this will be a regular fixed amount until the balance clears.

 

Then I get a letter stating this arrangement is for 12 months subject to financial review and another letter suggesting £200 per month. 

 

This is now as far as I am concerned being treated as a loan and I am worried about my credit file being affetected.

There is no assignment letter etc.

I realise firms can assign loans however to change the payment type amount etc cant be right.

 

Looking for pointers how to handle.

Feel like going to watch dog

 

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Well Link are not a creditor...so the agreement has now been terminated and only valid for payment only...you exiting payment arrangement still stands as per terms and conditions of the Saga agreement....5% as a minimum payment or whatever.

 

Saga should have notified you in writing that the agreement has been terminated and the amount assigned to link.


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