Good advice mate, thank you I will send them another letter on Monday. DOH!! another 5.45 to spend. Thats a beef in green peppers in our chinese takeaway

Ive just notices how many companies have been involved since taking out this agreement 1) Mazda credit 2) Volvo car finance 3) Ford Credit - 4) Link Financial 5) Link outsourcing What a kerfuffle

Oh gosh my typung is turrible lol

Hi Guys I have sent the CCA request off today by special delivery - cost me bladdy 5.45 GULP!!. Worth it though. I printed my name on the bottom following your advice Andy. Batman, I verbally made the monthly offer so there is no paper trail. Do you think I should make the offer in writing now??. Or wait a bit? I was going to wait to receive the CC and then as long as it looks ok, make the offer.A. Is it best not to wait at this stage? Ooooh im a bit confused. It states on my origininal agreement - 'Repossesson rights I we have paid at least one third of the total payable (that is 4563.37) we may not take the vehicle against your wishes unless we get a court order' We paid 35 payments of 187.00 making in much more than the amount they are stating. I have sorted through the paperwork and found 1) Default notice - sent by Mazda Credit dated 23/03/2011. 2) Letter from Volvo car finance - stating the account is being assigned to FCE bank weho have reassigned it to Link Financial Ltd 3) Letter from Link Financial headed 'Sale of your debt' Content - We Link financial ltd hereby give you notice or intimation that effective from 03/05/11 Ford Credit assigned to us the benefit of the debt that you owe them under an agreement with the reference number set out above. We have appointed Link Financial Outsourcing Ltd to administer and the recover the debt on our behalf As a result of this assignment your debt is now owed to us and any payments should be made to us, at the address above. Total liability outstanding is 4443.00. As a result of your default we hereby terminate the hiring and the agreement forthwith

I take your point Andy. I have my letter requesting CCA ready to post tomorrow with the postal order for 1.00 and will send this recorded delivery. I know they are just trying to take the easy option and get me to surrender the car voluntarily, why wouldnt they? Saves the hassel of court action etc. Whether I should have done this back in May does not change the fact that I wont just roll over and let them just have the car. They refused a genuine and reasonable (in my opinion) monthly repayment plan and tried to get me to take a further loan out to settle the debt (even though I told them we could not do this) they did not give a stuff. I am inclined to think that these criminals would just do anything regardless of whether I had acted 3 x months ago or not. But then we will never know. Just want to say tbough ..... Gosh this forum is good!!

Batman, you have really put my mind at rest, thank you for sharing your story. I have no doubt it wont be easy dealing with these Muppets and I dont deny that I owe this money. The form that they sent is for me to sign to allow them to take the vehicle, for the car to be sold at auction and for any shortfall to be paid by myself . Im sure in my terms and conditions, it allows me to hand back the car with no further payments after I have paid 1/3 or 1/2 or something like that. The other thing is, Im a bit confused as to why the advice is to get a CCA first. is this to make sure they actually have a right to ask me to pay, does it mean if they cannot provide it they cannot take any action against me? Sorry to sound thick. Im not looking for a reason not to pay, I just want to make sure that it is all done properly. Thanks again for your post Madge

Hi Andy Do you think its too late now Andy? . Ive had a bit of a stressful time since then - no excuse really I know and its easy to bury your head when it all goes quiet. From Lesson learned.com

ive not been around for a while. My lovely friend, Link seemed to lose interest in us for a while. I didnt send off the CCA request (section 77) nor did I contact them by telephone and they went quiet. I have now received a letter some 3 months later which is a form that they are inviting me to complete allowing them to take possession of the car. No explanation in with it, just the form. Hmmmm I think I do need to send the CCA request off now and sort this matter. We do want to keep the car as hubby needs it for work, we cant get another loan to buy another so i am happy to pay the debt off in installments (affordable ones) but doubt they will buy any of this. Can anyone advise me if this is the logical order to do things in 1) Write with request under CCA section 77 (does anyone have a template link for this please?) 2) Once they have sent this and it is in order (of course it will be), make our offer of monthly payments 3) Once they refuse this, request a time order to the court. does anybody have any experience in this area and can advise me what to do about this please. What would happen if I ignore this letter (form) There isnt anything on the letter telling me what would happen if I fail to return the form I think my head is going to explode

I will Steven With regards to Mazda sending a letter - I can remember something in the distant past about it so they must have notifed me. Will try and have a sort out of the paperwork and yes thanks for the advice re the request for info. This is exactly what sort of advice I was looking for, I will definately do this. Am I right in thinking all correspondence should be recorded delivery.

Hi Citizen I was enraged when I came off the phone from them and even more so when I read that it was indeed breaching the guidelines. Im sure they wouldnt put this in a letter would they, but thats what I am going to tell them to do as I want to have all of my options in writing. Yes we do still have the car. We felt that we had no choice but to keep it as we just couldnt raise finance for another, not even one much cheaper. I know we owe the money - although after reading another thread similar, im not sure who we owe the money to. I am happy to make payments to them, but I dont want them to treat people like this. Thanks so much for your reply M

We used to have lovely salary coming into the househld and in 2008 [edit by dx from 1997 in 2014] took on a rental purchase HP agreement with Mazda Finance (interest free cn you beleive it?) all was well and the payments were fine. 3 years then the option to purchase it at the end, hand it back etc etc Then it all went horrible wrong. I was self employed and my area of work dried up, forcing me to take lower paid contracts. I was the only bread winner so this hit us really hard. We maintained the payment with Mazda thought as we needed the car. Other debts were going unpaid and as a result my credit rating fell through the floor. At the end of the contract we tried to renew with Mazda for another car (stupidly) but was refused. the only options were to buy it for 4330.00 or to hand it back. We tried several loan companies but they wouldnt touch us. The only other option then was to hand it back - hmmmmm big probs here sa there was an excess to pay as we had exceed the mileage that was agreed. So we were stuffed. Worried sick I phoned Mazda who were now Volvo Finance before the end date of the contract to ask what our options were. They agreed to extend the contract for 6 weeks to give us time to sort ourselves out. Needless to say this flew by and I phoned them back on the date they told me to. They said they could extend the contract for 6 months and we could pay the balance over this. 4330 / 6 mths - you are having a laff. Told them this was impossible. they said the only option was to let it go to the next stage and I would probably be able to offer monthly repayments. Oh how wrong they were. I then received the letter from Volvo advising they had passed the debt on to FCE who had reassigned to Link - oooh the lovely link. Then received the letter from link saying they had been assigned the debt. So thats the story so far - apart from them phoning me with the refusal to accept rmonthly repayments and the advice to go and get a loan to pay them off. When I tried to explain that I had tried back in Feb to pay Mazda off, they said if we wanted to keep the car that much we should make more of an effort

Thanks for the words of advice. I will certainly stop talking to them on the phone. Think I may need some support from you guys through this process. Madge

Hi I too have just very recently had the notorious Letter from Link saying that they have been assigned the debt we previously had with Volvo (previously Mazda) finance. And by some uncanny coincidence, had the exact same letter you recd from Landrover (we recd from Volvo) stating they had assigned our account to FCE who had reassigned to Link. I too had a man on the phone from link who blatantly refused an offer of instalments and asked me to go an apply for some finance to pay them off. SHOCKING!!!!! This lovely man has stated he will give me until the end of next week to prove that I have tried everything to raise the money before they proceed with action against me - so kind. today I have 7 missed calls on my phone that I know are from them (unknown number). I have decided that next time I speak to him, I will ask for his instruction in writing i.e to go and try and get the money via loans etc and his refusal of installments. Sorry for the long post, I just wanted to let you know I am proceeding down the same path as you have been (and still are travelling) and like you, am daunted by the whole thing although with every ounce of my body will fight this pond life. I may need to start my own thread and Im sure the moderators will advise me on this. Initially though I thought I would post on here due to the similarity in our plights. Just want to say, what a wonderful site and some brilliant advice and support from what i have seen so far.