Thanks for the advice mariner, it is certaily something to think about. And Steve_M, I have no doubt they are! Thanks guys.

Hi, I wonder if someone can give me some help. At the end of January 2009 my wife and I moved into a house that was let to us by a local estate agent. We renewed the tenancy after the first and second years without any problems. The local company was then taken over by Leaders but to all intents and purposes nothing changed for us and things are still run from the same local office. As the renewal date approaches again we have been informed that the rent will be going up £25 a month (not that unreasonable as we enter our 3rd agreement) but we will now have to pay £60 to renew our tenancy. This seems unreasonable to me and I just wondered where we stand on refusing to pay this? Can the company introduce a charge that hasn't been there previously? Any help much appreciated.

Thanks citizenB. Spam - will have to catch the dispatches program on 4OD. This is the letter I sent off if anyone needs it: Dear Sir/Madam Re: Reference xxxx I write in response to your recent letters dated ... & .... I have since contacted my solicitors concerning your request for payment. They have informed me that the credit agreement you supplied is unenforceable as any trade-in or deposit has been put toward the PPI insurance, and not used for the purpose intended. If you maintain the agreement can be enforced I will have no alternative but to turn the matter over to my solicitors, Stephensons. As I understand it you have had prior dealings with these solicitors, so costs would now become an issue. I look forward to your reply within 14 days. Yours faithfully,

No problem: http://i585.photobucket.com/albums/ss292/heybankrobber/MarlinAccountClosed.jpg Thanks again.

Just wanted to thank everyone for their help - I received a reply today saying that I've been released from any further liabilities and my account is now closed. This is a huge relief to me and I really can't thank people enough. A donation to this site (and carcreditcomplaints) is forthcoming.

I will get a letter off by special delivery tomorrow and see where we go from there, thank you.

Honestly? That would be a huge weight of my shoulders obviously. So I should be sending something along the lines of kh41's letter? Or are there actual template letters?: Dear Sir/Madam Re:− Account/Reference xxxxxxxxxxxxx Assignor: D.A.F Ltd T/A Yes Car Credit Further to your recent letters you sent on 11th & 12th June 09, After having an audit done on the credit agreement you supplied, I have been informed the agreement cannot be enforced. Any Trade-in or deposit has been used for the PPI insurance, not for the purpose intended and as a result the agreement is unenforceable. If you maintain the agreement can be enforced, I will have no alternative but to turn the mater over to a firm of solicitors called Stevensons, as you have had prior dealings with these solicitors, costs now become an issue. I expect your reply within 14 days Mr x xxxxxxxxxxxx One more question. If I were to involve Stephensons, how much does that sort of service cost? Just asking as I can't see Marlin just giving up! (I don't have much luck with those sorts of things!) Thanks again.

Any thoughts guys? Especially concerning the post linked by postggj and kh41 - and my forms? Thanks in advance.

Yep, I did a better job of blanking those than on my original effort!

I'll try again, thanks! http://i585.photobucket.com/albums/ss292/heybankrobber/CreditAcc1.jpg http://i585.photobucket.com/albums/ss292/heybankrobber/CreditAcc2.jpg

Apologies if those are unreadable - if I've done it incorrectly could someone let me know!

Hi Guys, Many thanks for the replies. I will try to answer all the questions as best as I can. Marlin took over the account fairly early on (before 2004) but I kept making payments on the Credit Acceptance payment card I was given at the outset. As far as I knew Marlin were acting on behalf of CA. I don't remember making payments after the end of 2002 and both Experian and Equifax back that up. As it would be my word against their's I am obviously very interested in the unenforcable route as that would hopefully make everything go away regardless. Any ideas how to proceed? I've attached my paperwork, I'd be grateful for any thoughts anyone has on them: Attachments 3 posts down, thanks.

Hi Spam. Thanks for that - I will give it a try so I can see what they have about me. I've seen a website called Car Credit Complaints that seems to have a lot of experience with unenforcable agreements for my HP company (Credit Acceptance) and Marlin. My form would appear to be the same as some they say have been deemed unenforcable. Anyone had any experience of this?

Hi, I purchased a car on HP in May 2001 but left my job in December that year. The car was taken back by the finance company and sold at auction leaving a balance of over just over £6000. I started paying £50 a month towards the debt on a payment card but I stopped making payments in August 2002 (confirmed by my credit reports from Equifax and Experian). A default went on both CRAs in May 2003. I recently received a letter from Marlin FS, who had taken over recovery of the debt, asking for payment in full. I sent off a Statute Barred letter in the hope this would be sufficient. They have now responded saying that, "We have a computer record showing that you have made payments to this office, which in itself is an acknowledgement of the debt, we have also enclosed a copy of agreement and statement of account which concludes that you still remain liable for the outstanding balance". They also enclosed a copy of my signed Conditional Sale Agreement. The 3 payments shown on their attached records are in June, July and September of 2004. I am almost certain (they have got me thinking to myself and driving myself mad!) that I did not make these payments and that their info is at best innaccurate, and at worst falsified. How important are the CRAs reporting of payments towards this debt? Is this any kind of proof? Why would I have paid towards the debt a year after defaulting despite no correspondence from Marlin? And if I had, why was that not reported to the CRAs? Does anyone have any help/advice they can give me, or has anyone had any experience of DCAs falsifying payment records? All help much appreciated.