Letters uploaded again, hopefully work this time.

Apologies, realised images were tiny, have tried again. Credit Solutions.doc

Thank you for the advice so far. I have attached the last 3 communications I have received, 2 from Citroen and the one from Credit Solutions. I am currently claiming JSA and haven't set up a payment plan yet with anyone, I did advise Citreon of this when I spoke to them on the phone. I also have an outstanding debt with Siemens (similar situation, as a guarantor) and am in the process of setting up an I&E form with a view to setting up some token payments. Even thought it isn't a CCA is it worth doing a SAR as we have had no details as to why the payment has increased? Or should I try straightaway to negotiate a payment? Credit Solutions have advised not to write however am uncomfortable arranging this on the phone with them, would you advise to write anyway?

The van was on lease. Just to clarify because I'm not sure if I made it clear and it might help, the lease agreement was between my limited company but I was a personal guarantor hence they are chasing me personally for the debt. I have the original hire agreement plus all correspondence from Citroen/Credit Solutions since I defaulted.

Hi I owned a franchise until March last year when work (construction industry) dried up and I could no longer afford to pay my creditors. One of these was Citroen for van lease. I started to receive account in arrears letters in May from Citroen, in June they had passed this debt on to Credit Solutions. The van was returned to Citroen in September, who then wrote to advise the total shortfall was £3,691.27. They then issued a notice of legal action in OCtober, and today I have had another letter from Credit Solutions who have advised payment must be made within 7 days or else court proceedings commence. The payment has now increast to £4008.71 - it looks like they are adding fees on? Just asking for a bit of advice as to best course of action. Is it to call them directly (which I have been reluctant to do, I have asked all creditors to contact in writing), just sit it out and wait for the next letter, presumably a court summons, or even submit a CCA request?? I have other creditors to consider therefore it's not just a case of working out an arrangement or paying off Citroen. I was alternatively thinking of going through Payplan to sort everything out with all creditors, this is the first one to specifically threaten court proceedings but I will be in a similar situation with the rest shortly. It's been nearly a year and I have got to the stage where I literally don't know how to start resolving my debt situation. Any help appreciated! Richard