hi all would someone be see kind to send me a "template cca request letter" or even point me in the right direction? many thanks

hiya tigga thanks for your reply I shall move onto the welcome thread then, re the DMP i am meeting it monthly just had 2 months out of 12 I couldnt due to urgent car maintenance which i had not budgeted for, basically the CCCS take what I have left once my cost of living bills are paid. Thanks again for taking the time to read and reply.

Hi all, First time poster who is terrible with all finance related things but very keen to learn, have been reading a lot of the threads and seems to be a very good site with lots of good people posting who know there stuff. So hopefully someone can give me a wee helping hand. Im trying to condense this so it does not look a rant ! Anyway here goes..... I am currenty in a DMP with the CCCS for approx 18k worth of Debt The past 2 months I have been unable to make my payment of £400 per month due to car repairs (i need a car to make a living) anyway I wrote to the CCCS and advised them of this and I believe they write to my creditors. A company called Zebra finance have taken monies from me without my consent using my debit card details they have obviously stored from when I have made a token payment whilst my DMP was being set up, they have taken over £200 from me without any warning, phonecall, letter or anything. Its broken down into 4 payments a time like they are just wiping out what is left in my account each time. Is this legal??? What can I do about this ? Its causing me no end of grief as i am then missing direct debits and incurring unwanted bank charges. Also I have a loan with Welcome Finance, ( i see they are flavour of the month on here) i have tried to read the thread on here but cannot fathom out what I need to know. I hear their contracts are not worth the paper they are written on and its likely they do not have all of your documents although this could be complete nonsense. Does anyone know what I should do? I have been told to request a copy of my original contract and take it from there, it is my debt I have no dispute with that but if I could find a way out of it, i am willing to do so. Also a payday loan to quickquid was passed to a place called McKenzie Hall who have been threatening me with legal action althogh quick quid have been receiving regular monthly payments, the debt has now officially been passed to McKenzie Hall who are refusing to accept the CCCS proposals all for a measly £143 pounds. They have offered me the chance to pay half of this by the end of October and that will be the matter closed. I want to pay it off but it would mean I would not be able to meet my full regular payment with the CCCS, any suggestions what I could do ?? I hope some of this makes sense and thank you for reading. Great site, keep up the good work. Yours jackhackett