PS thanks for the advice! i have already made 3 payments to them and will continue to do so.

can you tell me how i can obtain the cca and is there a standard letter i can use?

Has anyone had CCJ action taken against them after making an reasonable offer to their creditor? I owe £9500 and have offered to pay back £130 per month through payplan. They have refused this and have passed my case over to a solicitors to take CCJ action, i have been advised that they may not take the action but i'm getting a little worried and wondered if anyone else in my position has had teh CCJ action taken against them despite making an offer to them? any advice much appreciated.

thank you.

How do i get it?

do you think payplan would have checked the credit agreements on my behalf? i'm a bit worried about withholding payments if they don't send them in specified timescale, do you think i'll have a better chance of no CCj action if i play ball and continue to offer and pay what i can? the last thing i want is CCJ action.

what is a CCA request?

it's a credit card debt. I thought that offer was reasonable so i was shocked when they refused it, the case has now been passed to their solicitors who will decide about the CCJ action. Do you think it is likely they will take this action?? as i have agreed to pay them a fair amount.

yes they are contacting me directly and they won't deal with the debt management company i have appointed.

they are nationwide, i owe them £9XXX and the offer is for £130 per month. they are refusing as they state they either want a lump sum of half the amount off me and they wioll write off the other half or they will accept 3% of the debt per month, which i can't afford.

PLease could someone give me some advice, i have outstanding debts to several creditors although i have contcated a great charity run organisation called Payplan who have set up a debt management plan, they have sent my income and expenditure to all of my creditors and proposed offers on how much i can pay each one every month. So far one of my creditors has refused my offer and they are threatening CCJ action, i have continued to pay the amount i can afford to them although they have not agreed the amount. what do you think the likehood is that they will continue with action even though i have made a reasonable offer. I assume the court with go through the same process as payplan of taking into account my income and expenditure so i personally feel it would be of no benefit to them to action this as what i have offered is genuinely all i can afford. I would appreciate advice from people in similar circumstances.

PLease could someone give me some advice, i have outstanding debts to several creditors although i have contcated a great charity run organisation called Payplan who have set up a debt management plan, they have sent my income and expenditure to all of my creditors and proposed offers on how much i can pay each one every month. So far one of my creditors has refused my offer and they are threatening CCJ action, i have continued to pay the amount i can afford to them although they have not agreed the amount. what do you think the likehood is that they will continue with action even though i have made a reasonable offer. I assume the court with go through the same process as payplan of taking into account my income and expenditure so i personally feel it would be of no benefit to them to action this as what i have offered is genuinely all i can afford. I would appreciate advice from people in similar circumstances.

PLease could someone give me some advice, i have outstanding debts to several creditors although i have contcated a great charity run organisation called Payplan who have set up a debt management plan, they have sent my income and expenditure to all of my creditors and proposed offers on how much i can pay each one every month. So far one of my creditors has refused my offer and they are threatening CCJ action, i have continued to pay the amount i can afford to them although they have not agreed the amount. what do you think the likehood is that they will continue with action even though i have made a reasonable offer. I assume the court with go through the same process as payplan of taking into account my income and expenditure so i personally feel it would be of no benefit to them to action this as what i have offered is genuinely all i can afford. I would appreciate advice from people in similar circumstances.

I have posted several threads on here and have been looking at other posts- myself, a colleague, a family memeber and friend all undertook this process and all have had endless problems trying to get hold of them. The Ministry of Justice, claims regulation department have told my that this process definitley doesn't work and all you can hope for is you fee back if you write to them, this is also a long shot. I'm afraid that it looks like we've all been lead up the garden path and you're lucky you didn't stop paying you're monthly payment unlike me. I am now trying to sort out the arrears!

After sending all correspondence from Tate-Lloyd to Misitry of Justice, claims regaulation department, they have come back to me and told me there is no way that this process can work! They have mislead and given false information, we are not within our rights to withhold payments to creditors. The advice i was given is to contact the creditors to explain what's happened, apologise and offer an interim payment and discuss payment options if in difficulty. I think it is obvious that Tate-Lloyd are an absolute shambles, they are not solicitors and the process is unachievable and a [problem]. I know they sound reassuring when you speak to someone but don't be fooled into believing the rubish they tell you. I too fell for it and have now fallen into arrears with my creditors. Give this comapny and other like it a miss and look at other options of sorting debts out.