yes I totally agree...the amount that Link are claiming appears to be ridiculously high plus all their court costs that are added! I blame my total naivetey in actually agreeing to the Tomlin Order...silly me

The most frustrating thing about all of this is, I spoke to a solicitor recommended by someone on the CAG forum who told me (had he had enough time to properly defend this case) that he "would've slaughtered Link" in court .... Arghhhhhhh! :-x:-x:-x:-x:-x:-x

thankyou for replying! Link are demanding full payment of the whole debt now (which of course I can not do) I am considering a writing to the court requesting a redetermination...

Would anyone out there be able to advise me - long story short here as the gory details of this case are too dull! - Link sucessfully obtained the Tomlin Order, I amde an offer of payment, subsequently couldn't pay. Link took me back to court and the court made a judgement that I should pay in full within 14 days. Obviously I couldn't so I sent back the N245 form offering a reduced payment. Just heard back from the Court, my offer has been rejected and Link are seeking full payment of the debt within 14 days - HELP! what do you do if you can't pay the debt in full? Can anyone advise on what the next step is? Thankyou so much

there is no hearing date yet, just my defence paperwork sent to and acknowledged by the court.

Thankyou so much for your advice! I appreciate it

I was advised to start a thread over here on CAG about my current situation. I have already requested CCA from Link over two years ago (2008) and obviously no correct CCA paperwork could be supplied. I thought this particular problem had gone away ... until now! Just before Christmas 2010, Link Financial issued CCJ proceedings against me for this alleged debt. I sent my court papers off disputing the debt etc and heard nothing back (except the acknowledgement of receipt by the court) until a few days ago when I received a 'Tomlin Order' from Link. Does anyone have any advice on how to proceed with this, now that I have the added Tomlin Order,as I am sure Link do not have the correct CCA paperwork to enforce this alleged debt. I think it is highly unlikely they will be able to produce the correct paperwork at this stage either! I do not wish to consent to the Tomlin Order as I wish to defend this CCJ. Any advice much appreciated!

PS I am NOT giving up!

I'm not sure if this is relevant now but I did not receive any correspondence from WF informing me that the vehicle was going to be repo'd.

it was outside on the street...thankyou for taking the time to have a look through it all.such a shame it's turned out like this !!

i feel sick

just been looking through earlier replies... see postggj above!

aaarrrggghhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh!

just sent a couple of other documents to you...thankyou so much for having a look

I have just PM'd a scan of the agreement to you!

I have PM'd you some figures!

I have PM'd a couple of figures...this is the bit that freaks me out slightly as I know I have paid a third! WF make me doubt that I have

just PM'd you

ok just done it now! thankyou wannabe

oh sorry! could I PM you with this?

that's what I thought when I received it the other day

Definitely definitely definitely only ONE agreement! the agreement was for 48 months and yes can count the payments made. the total amount exceeds the 1/3 amount. I have checked many times

no SAR done:oops: what an idiot!

Hi,thanks for responding! I haven't heard from these idiots for a while so it's a bit strange that they would start sending default notices now! I have proof that I have paid the third in writing from WF and various statements from WF. I have checked my credit file with Equifax and have a record of all payments to WF with no defaults (does this count?) No,I have not re written my agreement with WF.

hello again! i would love some help regarding filling in the dreaded n1 form...it's just my figures that I keep getting stuck on.I KNOW i have paid more than the 1/3 required and have proof yet every letter that comes from WF says differently