Does that apply to the other creditors too? To be honest, the balance with next is ridiculous, last time I looked it was about £80. I won't be signing the credit agreement they keep sending, although they seem desperate as they have now sent 2!

This is exactly what I thought. There is no way I'm going to sign it, just incase thats what they are after. Maybe I should send the CCA letter to them anyway? Along with all my other creditors. I posted about doing this a while ago but I printed the letters and put them away safely until I could afford the postal orders to sent them off, then things took priority and they got forgotten about, I think its time to reprint and send them all off. What do you think? Also, if these companies can't prove my debt, what are the possible retaliations they may do if I stop paying them? Thanks in advance.

Hi there, I have a DMP with the cccs, have been on it since July 2009 now. Next have accepted an offer of £5 per month, they accepted this when the plan started in July 2009. Thing is, recently they have sent me letters, this has happened twice and both are letters saying sign the enclosed credit agreement and send it back to us so we can accept your offer. I'm thinking if I sign this, then they have a credit agreement signed by me, which I don't like the idea of. Would you guys sign it and send it back? or keep ignoring it like I have been so far? Cheers.

6 years sounds a hell of a lot better than forever! Thanks again for the help, I'm trying to get these letters printed off so I can get them sent out. Is there anything else I could do in the mean time? Thanks again.

My credit file is trashed already, I've pretty much lost it and don't see it getting better for many years. Not great really when my partner is pregnant with our first and we're going to be needing credit checks for renting houses and stuff in the next few months. Thats whats worrying me, if we can't find somewhere to live because of my credit history. So, if they cant produce the cca and I withhold payment, will it just be there on my file as a bad debt forever? I have direct debits with barclays, but its car insurance, nothing to do with the debts at all. Only direct debits are for things that are non debt related.

I have an account with barclays that I opened when all this started with the CCCS so I could pay them from that account. I've been out of work now for 2 weeks, the last payment to CCCS (1st July) was paid in full but I have no chance of making the next payment to them. So, if the companies cannot provide proof of the CCA, what does that mean for the debt? Do I still have to pay them or are they then "gone"? Thanks for all the help so far, it feels great to be welcomed so well and helped without being judged like so many do.

Just a quick question that has popped in to my head, this won't affect my plan with the CCCS will it? or cause the creditors to refuse my current plan with them? Thanks again.

Thank you very much. I will get those printed out and send them off with the postal orders and let you know the responses. Thank you very much.

Hi there, I've spent a couple of hours looking around your site and the various topics you cover. Its been helpful. Let me tell you a little about my story, I am Dan, I'll be 23 at the end of this month. A few years ago, I was with a partner and we thought all was peachy, as you do. We managed to run up some debt which when the relationship broke down, I was left with. Since then I have figured out why everything went in my name! Young and stupid. Anyway, the result is that I am now with the CCCS paying £105 a month to clear my debts. Some of which are growing each month!! The next problem, is I have recently lost my job and I am now unemployed, meaning I have absolutely zero income! I am actively seeking work, of course but it seems very difficult at the moment with lots of interviews that go no further. I am going to call the CCCS tomorrow to tell them I am now unemployed and can no longer pay them, which to be honest is worrying me to death. The debts are things like vanquis, aqua, littlewoods, mutual clothing (a loan, unsecured), an overdraft with halifax (moved to a debt collection agency last week) and an argos card. I believe thats all there is on my plan with the CCCS but I can check for sure if it woud help you. I have read some topics about CCA's? I'm not too sure what they are but would it be worth me writing to my creditors and asking for the original CCA's? I have read about a few people who did this and it ended up with the credit leaving them alone and writing off the debt, although knowing my luck they will be able to provide the CCA! I sincerely hope you can help me somehow. Kindest regards. Dan.