My husband had a HP agreement with Ford Credit for a van for his business.
Last year I lost a job and eventually got DLA after 5 months for a chronic illness (MS).
This resulted in cash flow problems.
We missed 2 payments but did catch up a bit.
Ford Credit lost patience and sold the debt to IDR Finance C/O Link Financial Outsourcing.
I have requested to continue paying the instalments (29 left) but insist on the full amount of £10015.72.
IDR C/O lINK will not accept payments and will not reply to my letters in writing.
I have been given a run around.
We have a good business and are surviving, but we need the van as it is a mobile workshop.
I am not sure if IDR have bought a debt or the HP contract or whether Link Financing own the debt.
They are threatening us wih reposession and baliffs.
I also work with my husband.
If the van is taken away then we have no income.
I have written to IDR on 04/04/13 stating I am going to put a Time Order in the local court.
I have also found a way of paying IDR C/O Link through their website
- should I continue to do so.
Can anyone advise please.
Help.