Hi It was a secured loan. The original Amount was £65,000, and it was taken out in November 2004. I don't know about the CCA. I have a copy that I think is the CCA that they gave me at the time, but I haven't got the signed copy, they have.

I've just got my settlement figure from First Plus. I took it out in November 04. I took £65,000 for the loan and £15,918.50 for the payment protection. The settlement figure I've got is £82,578.86. This is more than the loan and payment protection was in the beginning!!!! Is there anything I can do?? What would be the next step??

I've just got my settlement figure from First Plus. I took it out in November 04. I took £65,000 for the loan and £15,918.50 for the payment protection. The settlement figure I've got is £82,578.86. This is more than the loan and payment protection was in the beginning!!!! Is there anything I can do??

Wow!! Thanks for the swift responses. I'm selling the house as I can't afford it anymore. I'm not living there anyway, I'm living with my mum. But he's still living there.

I broke up with my husband before Xmas. He took it badly and was sectioned. We have shed loads of debt and I got behind in payments cos he was off work and didn't get paid. He's back at work now, but I can't seem to get straight. I'm currently in arrears with Barclaycard, Lloyds TSB card, Debenhams and First Plus. I've managed to sort First Plus, they're being ok, although they got a debt collection agency involved. I think Barclaycard have just got a debt collection agency involved, but Debs and lloyds haven't yet. What can I do?? I've never been in this situation before. As soon as I sell the house, it'll all be ok, but obviously, the market the way it is, it's taking some time. Any help or advice I can get will be great. Also, I'm getting charged bank charges for refused direct debits etc.