Thanks so much dx. I really am grateful for your advice Billy

Thanks for replying dx. No she doesn't want to keep the car. It's cost and other running costs are impossible for her now . I just want to get the situation settled with the least amount of stress for her because of her mental health. Cheers, Billy

I have now seen her credit file. It only really shows the car loan and the car insurance. I guess this means she can't claim they didn't do affordability checks so what would be advice as to her next step? Thanks in advance Billy

Thanks dx. I'll try to get more details and see what can be done to help her' Really appreciate your help. Billy

Thanks dx. She has never looked at her credit file so I am going to try and help her do it tomorrow. Pretty sure she hasn't reached the one third mark but I'll check with her tomorrow. I just read the unaffordable lending thing and didn't really understand it. I do know it mentions a Voluntary Termination is available in her paperwork. The car is on a public road but I could get her to move it to my drive if this helps. She was on benefits while she lived at mine too. She only really had money for the car because I let her stay for free. Many thanks for getting back to me. I'll try to find out more tomorrow Regards Billy

Thanks for replying Lolerz. She has done nothing as yet apart from being unable to pay the last payment or two. I believe the finance is with Black Horse. She has had the car about a year and the finance has about 3 years or slightly less to run with an option at the end to return the car or pay a large payment to keep it. Thanks

I hope someone can offer advice. Asking on behalf of my daughter who has mental health issues and can't cope with this sort of thing. Thanks in advance. My daughter, who is on benefits due to quite severe mental health problems, purchased a car through Cinch. I think it was between £8,000 and £10,000. I appreciate it's probably not their business to check on affordability, but at the time I thought it ridiculous she could buy such an expensive car while on benefits. This happened about a year ago I think. Fast forward to now and as she has moved out of my house, where she lived free, and moved into a privately rented place she can no longer afford to pay for it. These things happen and I'm certainly not blaming anybody. I just want to be able to help her out of the situation with as little drama as possible I was thinking maybe best just to let them repossess the car ,which I guess they will do eventually ,or inform them of the situation to speed up the repossession. Then apply for something like a DRO to deal with the finance shortfall which I think will be a considerable amount as the car is not in a good way. I would be really grateful for the opinions and suggestions of the kind and helpful people I know use and run this site. Many thanks, Billy.

Thanks dx100uk. I'll let her know and also update you later . Some further information on the letter. It's not from a court bailiff , just from Marsden's. She has never had a CCJ about it or any other court action. Thanks

Thanks folks for getting back to me so quickly . They did not notify her of the change in direct debit date. I haven't seen the letters but I will find out from her later and give you more details. She doesn't own a car that they can take so that is one less problem Cheers

I would be really grateful if anybody can offer advice on this. My stepdaughter had a payment arrangement with Marsden's for an outstanding water bill. They recently changed the date of her direct debit causing one payment to "bounce". as a result, they then sent a letter to say that unless the full amount is paid now they will come to take goods and she doesn't need to be there when they do which sounds like a threat to break in and help themselves when she's at work. She is aware she owes the money and is happy to continue paying as per the previously agreed payment plan but they only want the full amount which she cannot afford as it's several hundred pounds. She is several months pregnant and has already suffered a couple of miscarriages so the stress is something she really doesn't need. Any advice would be greatly appreciated. Cheers all.

Thanks I will look into that. Appreciate you taking the time to offer your help. Cheers Billy

Thanks dx100uk. In your opinion would it be worth complaining to the Credit Report company about it still being on her report ? Thanks, Billy

Thanks dx100uk. The letter of assignment for the biggest debt from Shop Direct/Very to Arrow was October 2014. I believe the smaller debt is still owned by Argos but may be being collected Moorcroft. Cheers, Billy

Many thanks for that. I'll post them tomorrow. As a matter of interest is it legal for Arrow to have added this to her Credit Report? Many thanks Billy

Thanks for replying. The biggest debt was originally with Very catalogue . The original catalogue account was from over 20yrs ago probably. She first had problems paying maybe 15 years ago but doesn't know when defaulted Now down to 1200 ish from 6K ish. This is on her Credit Report as a debt to Arrow with no dates or a default etc'??? The second is Argos Card services Was opened in 2002 Timescale as with above debt. Listed on Credit Report as owing 300 ish with no default date. Thanks Billy