Many thanks.

For the first poster, the very best thing you can do is to contact your MP and ask he takes on your case. It is the best way forward to have the CSA look at your case. You are not dealing with a Government Department directly, but with a sub contracted out private agency. They very much wish to retain the contract and MP contact is black marks against their performance. The last poster if it is that the PWC is at home claiming benefits, she will not be receiving the money you are paying in. If she is on state benefit she will receive the first £5 (or that's what it used to be a few years ago) the rest go into a government pot. She will only receive the full amount you are paying if she is working or not claiming. Sadly this fact has caused many families who had amicable arrangements to fall out unnecessarily. PWC are told to go through the CSA when they start to claim benefits other wise their claim is affected...so effectively the ex wont be eating your cake the government will.

Just to add ... having worked on the "other side" it was very fustrasting. We could not provide information unless asked as we were supposed to be seen as impartial. So the game is ... ask the right questions.

For children up to that age of 19 in non-advanced (ie college) you are still liable for maintance payments, however if a child is in Advanced Education such as Uni then you are not liable for payments. This can be defined by assertaining if the PWC (parent with care) is still eligble for Child Benifit payments. You can push the CSA to check without relying on the information provided by the PWC by checking on the systems available to them. They have access to child benifit system and although they cannot disclose their findings to you, they are supposed to investigate and act on their findings. They can also contact the education provider themselves, and again can't disclose their findings to you, but must act. It is quite possible for a child to work good amount of hours while in education, but it is time they should be studying. Dont forget the Academic Year in the eyes of the Child Benifit & CSA ends in September. If you are paying arrears, you are liable for those until they are paid off irrespective of the childs age. A lot of NRP's (non resident parents) are of the belief that once the child leaves education, the debt ends..it is only the current liability that closes. How have they come about the calcualtion that you owe arrears? As for moving from old to new rules. You can only move if there is a change to report.

I am going to have to wait until I get a response from the SAR to answer your questions properly. I don't think 50% had been paid. I do know they came and took the car by traveling up a private road and took the car from the edge of the stable yard. It was a good way from our home (where all correspondence were going and the car was registered), it was the stable yard he travelled to every day to care for horses, we assumed at the time they followed him? Our memories are pretty blurred from then due to bad times. I know he never argued with them when they came for the car, he did just let them take it. I shall return once we have the SAR returned, in the meantime I shall have a good read. I have a number if debt related issues I am dealing with and this site is so enlightening.

Many thanks ... off to type a letter, dust off the printer and scare the postman

Sorry just seen SAR .. but still not sure who to send it to would it be to Gmac?

Many thanks. Can I write and request a copy of the original agreement to begin with?

Bit of a long one this, so if you are still awake at the end of it I would really appreciate your guidance. In 2006 my partner purchased a car on HP with GMAC over 60months. At the time he was off sick on full pay after a car [non fault] car accident that wrote off his other car. He can not now recall what deposit he put down or the cost of the car at the time, I know it isn't that long ago but we have gone through an awful lot of stress since then. We do not the original paperwork. We were not together then, it was "pre him and I" and when he and his ex wife parted he lost a lot of his paperwork. He then came out of work sick, and it became long term sick. He explained this to the company, and asked was he not covered which to his memory was told no. I did pay some of the repayments, but the I became unemployed and we were unable to make the payments. We fell into debt with the car and they came and snatched it back in March 2009 with a balance of £8,389.34 The car went off to auction and funnily enough reappeared on a local sales forecourt for £4995. We are still getting the letters for what is owed on the car, but due to circumstances and trying to maintain essential debt such as the mortgage albeit wrong, the letters are ignored. We received letters in December telling us that the debt has now been assigned to a company called Marlin. During these letters we were given a statement/breakdown of payments and to my shock there are PPI payments! These have not been shown before and never during all the time my partner was explaining to them he was off sick and the subsequently out of work ( the company finished him as the long term prognosis of his injury meant there was no future prospect of him being able to ever do his job) so his employment was terminated on medical grounds. He has been on long term sickness since then. On the paper work there is what is stated as a payment a few months after the car was snatched back for £2434.24 which I assume is the proceeds of the sale of the car. The current outstanding balance is £10011.99. So .. where do we stand? Where do we start and what route do we take? It's just a case wanting the PPI back, surely the payments should have been being made and the car never snatched back???