Thanks for replying Rogue, I don't have access to a scanner at the minute to do that, (I may be able to get a scan done at some point over the weekend though). Any particular point you're looking for? Cheers

Hi dx, I can ping Experian and ask to double-check, however, looking at the SAR from Ford, it does say on the 5th March 2020, "File passed to L&R - VT Arrears - Nil liable to 50% - Nil Extras - £628.83 Default Amount - Nil Paid - Please send to LINK"

Today i received an email from Experian stating that Link now say the default is accurate. Link's response to Experian is as follows; "The account was originally defaulted by FCE Bank PLC and assigned to Link Financial Limited on 13/03/2020. As this account has been assigned to us with a default date, we are required to continue reporting the original default as informed by FCE Bank PLC. We can confirm that the data reported by Link to the credit reference agencies is in accordance with the information received by FCE Bank PLC when the account was assigned to LInk Financial". Link still have not communicated to me in written form anything about this debt, other than how much they want & where to pay it to. Experian then go on to say they can add to my notice of correction the following; "The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data". Or alternatively, Experian say I can add my own statement to this information, up to 200 words. What is the best route forward now? Many thanks.

A 2226b eh? You can't beat the old style dials, meters, and knobs! Digital displays are often so boring! I have the SAR now. I suspect they already had a buyer lined up for it. The car was advertised on Manheim (Manchester) auction website. There's a sheet with CAP valuations in Feb for CAP Clean £12,000 & CAP Average £11,350. In the next box down dated 7/2 it says reserve amount £11,600 and bid amount £12,550 Another sheet has my direct debits listed on it until Dec 2019 then numerous different transaction amounts. One of which is 'Sales Proceeds £12,433.60' which I assume is the actual sale of the car via auction?

Duh! Can't see for looking sometimes! Yes it was on pcp. And yeah, the user name is from the Marantz setup on the other side of the room Along with 1 Cambridge Audio, and 1 Naim. All good gear.

The agreement was for 18,000 miles per annum, I had the car 31 months. Someone has done some handwritten 'calculations' on one of the enclosed sheets, which says "mileage allow = 46,500" "1,500 x 31months". And on another sheet it has "Actual mileage 51,607, Excess: 5107 miles", which could give this figure of 46,500 (as the mileage on collection day was 51,607), but I can't understand where this 46,500 actually comes from, or am I missing something here? So Ford can just come up with spurious charges, put defaults on my credit file, sell on the non-existent debt, and just walk away, leaving me to spend hours sorting it out? Am I to just ignore Link forever more, or will they eventually just stop bothering me?

Update on this for you: Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever. At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report. The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata. As ever, any advice or comments most gratefully received as to how to proceed. Thanks.

As far as I recall, it was Ford Finance til they 'assigned' it over to Link in March.. I've posted the SAR earlier this afternoon. Cheers for the input so far, I really do appreciate it. Thank you.

I can't see anything written specifically as a 'defaulted date'. On the first letter from Asset Link it states 'we (Asset Link) hereby give you notice or intimation that effective from 13/03/202 FCE Bank PLC (Ford Credit) assigned to us the benefit of the debt you owe...'. Is this it?

I emailed Ford Finance and followed that up with a written letter stating I was exercising my right to terminate the agreement under Section 99 of the Consumer Credit Act 1974, and that was it. If debt summary line, is where they have 'Arrears on balance' written, then that is 13/03/2020

Thanks for replying DX. Yes, It was over the 50% No, I didn't use your VT letter The only thing I'm worried about, is the impact on my credit file, which until Link intervened was excellent. What is the 'seby summary line'?

May well be, but they've certainly been shy about stating what the charge is for, and now caused a load of hassle to boot!

The guy who collected it gave me a sheet with all of the boxes on it ticked 'fair', and that was it, away he went. I've heard nothing then, or since about any damage, or anything else for that matter! I've got plenty of photos of the car before it was collected, and I also have screenshots of the entire internet listing when the car was subsequently put on Manheim's auction website.

Cheers.

I've got the Word open doing the SAR now. With regards to Link putting a default on my credit file, am I stuck with that? Should they have put it there without even substantiating that the alleged debt is valid? Thanks.

Thanks, I'll get onto the SAR today. They don't use the word 'sold', Ford, Asset Link Capital, and Link Financial, in their letters they all use the word 'assigned'. Ford has assigned the debt to Asset Capital, and then Asset Capital say have assigned it to Link Financial, who say they have been assigned to recover the debt.

Thanks for the reply. I can do a SAR, if for nothing else other than to make Ford do something for ignoring my original letter! However, now that Ford Finance sold the alleged debt to Link, will Ford now have just washed their hands of the matter, and say it's nothing to do with them anymore?

Hi All, I've been lurking on this site many times, but now I'd appreciate some help if possible. VT'd my car in December 2019, this was with Ford Finance. Car was collected in January 2020. I thought that was that, a letter from Ford Finance, dated 5th February, alleging I owed them approx £628 but their letter doesn't explain why, just a request for that amount and a threat the debt would be transferred to Link Financial if I didn't pay up by the 4th March. (The car was in immaculate condition & subsequently sold via Manheim car auctions as being in A1 condition. I suspect the following charge could only possibly relate to excess mileage, but I've never been given any direct information regarding this as yet. The agreement was 18,000 miles per year. Car had covered 51,600 on collection day, 2yrs 7months in at time of VT ). I replied in writing to Ford Finance disputing this amount owed and asked for an itemised breakdown of the alleged charge and what it was for. Ford Finance never replied to this request. However, Ford Finance did send another letter, dated 17th March, stating they had transferred the alleged debt to Asset Link Capital. I wrote back to Ford Finance on 22nd March asking again for a breakdown of the alleged charge and also queried why they had transferred it to Asset Link Capital. Ford Finance have never replied. The next letter I receive, dated 23rd March, is from Asset Link Capital stating the debt was now in their hands and Link Financial would be taking it on. I replied to Asset Link on 30th March stating that the alleged amount was already in dispute with Ford Finance when they transferred the debt to Link, and I required a breakdown & itemisation of that alleged amount owed. Asset Link never replied to this letter. I have now had a letter from Link Financial, dated 10th September, again requesting payment of the £628. Again, there is no explanation of what this alleged debt is for, or how it was calculated, just that it is a 'balance brought forward'. I suspect this letter is simply an auto generated one that they have to send out every 6 months, if that's correct? Regardless, I shall reply to this letter, yet again asking for an explanation and itemisation of what the alleged debt is for. However, I have only just discovered last week, that Link Financial have placed a default notice on my credit record every month since March this year. At no point was I ever notified of this. Needless to say, I'm far from impressed. Can they do this, even though the amount is disputed and neither Ford Finance, or Link Financial have ever bothered to show what this alleged debt is actually for? Any help & advice how to proceed on this would be gratefully accepted. Many thanks.